| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CRYSTAL IBC LLC3 Filed as: CRYSTAL IBC, LLC | 32 OLD SLIP FINANCIAL SQUARE NEW YORK, NY 10005 | DELTA DENTAL OF NEW JERSEY, INC. | $13K | $0 | $13K | 0.87% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF NEW JERSEY, INC. | 56 LIVINGSTON AVENUE ROSELAND, NJ 07068 | DELTA DENTAL OF NEW JERSEY, INC. | $13K | $0 | $13K | 0.81% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | CONTINENTAL AMERICAN INSURANCE COMPANY | $23K | $0 | $23K | 4.95% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF NEW JERSEY, INC. | 56 LIVINGSTON AVENUE ROSELAND, NJ 07068 | CONTINENTAL AMERICAN INSURANCE COMPANY | $11K | $0 | $11K | 2.37% |
| BRIAN WHITE3 Filed as: BRIAN M. WHITE | 6 COWDIN LANE CHAPPAQUA, NY 10514 | CONTINENTAL AMERICAN INSURANCE COMPANY | $89 | $0 | $89 | 0.02% |
| TODD J BURKE CORP3 Filed as: TODD J. BURKE | 2 IRIS LANE GARDEN CITY, NY 11530 | CONTINENTAL AMERICAN INSURANCE COMPANY | $53 | $0 | $53 | 0.01% |
| DOUGLAS MEIER3 Filed as: DOUGLAS R. MEIER | 23 ROCKLEDGE TERRACE POMPTON PLAINS, NJ 07444 | CONTINENTAL AMERICAN INSURANCE COMPANY | $47 | $0 | $47 | 0.01% |
| BENITO A ROTONDI3 Filed as: BENITO A. ROTONDI | 23 PINE RIDGE ROAD SARATOGA SPRINGS, NY 12866 | CONTINENTAL AMERICAN INSURANCE COMPANY | $30 | $0 | $30 | 0.01% |
| ALLIANT INSURANCE SERVICES, INC.3 | 575 MARKET STREET, SUITE 3600 SAN FRANCISCO, CA 94105 | CONTINENTAL AMERICAN INSURANCE COMPANY | -$4K | $0 | -$4K | -0.96% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $10K | $10K | 3.27% |
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 | 1,072 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,072 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF NEW JERSEY, INC. | 5,336 | $1.6M |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 2,762 | $137K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 2,167 | $299K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 2,167 | $299K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 2,167 | $299K |
| Other(4 contracts, 4 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 2,795 | $886K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,336 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.