| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EDUCATORS INSURANCE SERVICES5 | 4000 RT 66, 1ST FLOOR TINTON FALLS, NJ 07753 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $2.5M | $2.5M | 7.27% |
| MIGU PRESS INC5 Filed as: MIGU PRESS INC. | 260 IVYLAND ROAD WARMINSTER, PA 18974 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $22K | $22K | 0.07% |
| NJEA REVIEW ADVERTISING5 | C/O BENEFICIAL BANK P.O. BOX 13661 PHILADELPHIA, PA 19101 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $13K | $13K | 0.04% |
| DG3 NORTH AMERICA INC5 Filed as: DG3 NORTH AMERICA | P.O. BOX 83090 CHICAGO, IL 606913010 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $4K | $4K | 0.01% |
| NJEA C/O HILTON EAST BRUNSWICK5 | 180 WEST STATE STREET TRENTON, NJ 08607 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $3K | $3K | 0.01% |
| JERSEY SKYLINE, INC.5 | 10 BLOOMFIELD AVE. - PO BOX 698 PINE BROOK, NJ 07058 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $3K | $3K | 0.01% |
| HARVARD PRINTING GROUP5 | 175 US HIGHWAY 46 WEST FAIRFIELD, NJ 070042327 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $3K | $3K | 0.01% |
| MICHAEL G RYAN5 Filed as: MICHAEL RYAN | 63 OVERPECK AVENUE RIDGEFIELD PARK, NJ 07660 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $3K | $3K | 0.01% |
| HATTERAS5 | 56 PARK ROAD TINTON FALLS, NJ 07724 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $2K | $2K | 0.01% |
| US POSTAL SERVICE5 | 50 NEPTUNE BLVD NEPTUNE, NJ 077539998 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $2K | $2K | 0.01% |
| UNITED ENVELOPE LLC5 Filed as: UNITED ENVELOPE | P.O. BOX 951431 CLEVELAND, OH 44193 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $2K | $2K | 0.01% |
| FLM GRAPHICS CORPORATION5 | 123 LEHIGH DRIVE FAIRFIELD, NJ 07004 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $2K | $2K | 0.01% |
| MEDIA GRAPHICS INC5 Filed as: MEDIA GRAPHICS INC. | 25 SOMERSET PLACE CLIFTON, NJ 07012 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $2K | $2K | 0.01% |
| BERGEN COUNTY EDUCATION ASSOCIATION5 | 210 WEST ENGLEWOOD AVENUE TEANECK, NJ 07666 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $700 | $700 | 0.00% |
| ICAT LOGISTICS, INC.5 | 6805 DOUGLAS LEGUM DRIVE - 3RD FLR ELKRIDGE, MD 21075 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $303 | $303 | 0.00% |
| PCEA/PAC5 | 401 HAMBURG TURNPIKE, SUITE 209 WAYNE, NJ 07470 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $175 | $175 | 0.00% |
| NJEA C/O HILTON EAST BRUNSWICK0 Filed as: NJEA LOMONICO, PHIL | 180 WEST STATE STREET TRENTON, NJ 08607 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $64 | $64 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNIVERSITY BEHAVIORAL HEALTHCARE EIN 22-1980408 NONE | Direct payment from the plan; Other services Service code 49 | — | $211K |
| NOVAK FRANCELLA LLC EIN 61-1436956 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $20K |
| RC ADVERTISING, INC. NONE | Other services; Direct payment from the plan Service code 49 | 2805 E 26TH STREET APT 2D BROOKLYN, NY 11235 | $5K |
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 | 174,367 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 174,367 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 31,335 | $34.0M |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 31,335 | $34.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 31,335 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.