| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NORTHEAST BENEFITS3 | 103 PASSAIC VALLEY ROAD MONTVILLE, NJ 07045 | HORIZON HEALTHCARE SERVICES INC. | $102K | — | $102K | 2.43% |
| NORTHEAST BENEFITS3 | 364 PARSIPPANY ROAD PARSIPPANY, NJ 07054 | DELTA DENTAL OF NJ INC. | $5K | — | $5K | 1.89% |
| RICHARDS AND SUMMERS INC.3 | 76 BROADWAY PO BOX 68 DENVILLE, NJ 07834 | DELTA DENTAL OF NJ INC. | $3K | — | $3K | 0.99% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW JERSEY INC. | PO BOX 416315 BOSTON, MA 02241 | LIFE INSURANCE COMPANY OF NORTH AMERICA INC. | $19K | $770 | $20K | 20.80% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW JERSEY INC. | PO BOX 416315 BOSTON, MA 02241 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 5.83% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW JERSEY INC. | PO BOX 416315 BOSTON, MA 02241 | LIFE INSURANCE COMPANY OF NORTH AMERICA INC. | $5K | $430 | $5K | 10.95% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW JERSEY INC. | PO BOX 416315 BOSTON, MA 02241 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 10.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW JERSEY INC. | 150 JOHN F. KENNEDY PARKWAY SHORT HILLS, NJ 07016 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 12.17% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW JERSEY INC. | PO BOX 416315 BOSTON, MA 02241 | LIFE INSURANCE COMPANY OF NORTH AMERICA INC. | $924 | $39 | $963 | 20.84% |
| W | — | LIFE INSURANCE COMPANY OF NORTH AMERICA INC. | — | — | $0 | 0.00% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 462 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 464 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HORIZON HEALTHCARE SERVICES INC. | 355 | $4.2M |
| Dental | DELTA DENTAL OF NJ INC. | 716 | $263K |
| Vision | EYE MED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INS. CO. | 723 | $39K |
| Life insurance(4 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA INC. | 463 | $160K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 447 | $36K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA INC. | 166 | $45K |
| Other(2 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 463 | $55K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 723 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.