| 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 | $200K | $2.5M | $2.7M | 7.60% |
| NJEA REVIEW ADVERTISING5 | C/O BENEFICIAL BANK P.O. BOX 13661 PHILADELPHIA, PA 19101 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $334K | $334K | 0.93% |
| MIGU PRESS INC5 Filed as: MIGU PRESS INC. | 260 IVYLAND ROAD WARMINSTER, PA 18974 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $22K | $22K | 0.06% |
| THE HARTY PRESS INC.5 Filed as: THE HARTY PRESS | 25 JAMES STREET PO BOX 234 NEW HAVEN, CT 06513 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $3K | $3K | 0.01% |
| BERGEN COUNTY EDUCATION ASSOCIATION5 | 210 WEST ENGLEWOOD AVENUE TEANECK, NJ 07666 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $775 | $775 | 0.00% |
| PCEA/PAC5 | 401 HAMBURG TURNPIKE, SUITE 209 WAYNE, NJ 07470 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $200 | $200 | 0.00% |
| MONMOUTH COUNTY EDUCATION ASSOC5 | 3455 ROUTE 66 NEPTUNE, NJ 07753 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $100 | $100 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNIVERSITY BEHAVIORAL HEALTHCARE EIN 22-1980408 NONE | Other services; Direct payment from the plan Service code 49 | — | $350K |
| NOVAK FRANCELLA LLC EIN 61-1436956 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $7K |
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 | 182,762 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 182,762 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 30,979 | $36.0M |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 30,979 | $36.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 30,979 | — |
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.