| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BLUE OCEAN BENEFITS &3 | CONSULTING, LLC 595 SHREWSBURY AVE. SUITE 203 SHREWSBURY, NJ 07702 | DELTA DENTAL OF NEW JERSEY, INC. | $1K | — | $1K | 5.33% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES LLC | 1933 STATE ROUTE 35 SUITE 368 WALL, NJ 07719 | DELTA DENTAL OF NEW JERSEY, INC. | $1K | — | $1K | 5.01% |
| BLUE OCEAN BENEFITS & CONSULTING3 | STE 202 1971 STATE HWY 34 WALL, IL 07719 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $85 | $2K | 15.74% |
| UNITED BENEFIT ADVISORS LLC3 Filed as: UNITED BENEFIT ADVISORS INC | STE 1815 318 W ADAMS STREET CHICAGO, IL 60606 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | — | $0 | 0.00% |
| BLUE OCEAN BENEFITS & CONSULTING3 Filed as: BLUE OCEAN BENEFITS CONSULTING | 1971 NJ 34 STE 202 WALL, NJ 07719 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $581 | — | $581 | 10.15% |
| SAVOY ASSOCIATES3 | 200 CONNELL DRIVE SUITE 1000 BERKELEY HEIGHTS, NJ 07922 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $110 | $89 | $199 | 3.48% |
| SAVOY ASSOCIATES3 | 25B HANOVER RD STE 220 FLORHAM PARK, NJ 07932 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $53 | $53 | 0.93% |
| BLUE OCEAN BENEFITS & CONSULTING3 | STE 202 1971 STATE HWY 34 WALL, NJ 07719 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $837 | $42 | $879 | 15.76% |
| UNITED BENEFIT ADVISORS LLC3 Filed as: UNITED BENEFIT ADVISORS INC | STE 1815 318 W ADAMS STREET CHICAGO, IL 60606 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | — | $0 | 0.00% |
| BLUE OCEAN BENEFITS &3 | CONSULTING, LLC 595 SHREWSBURY AVE. SUITE 203 SHREWSBURY, NJ 07702 | DELTA DENTAL OF CONNECTICUT, INC. | $484 | — | $484 | 9.99% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES LLC | 1933 STATE ROUTE 35 SUITE 368 WALL, NJ 07719 | DELTA DENTAL OF CONNECTICUT, INC. | $242 | — | $242 | 5.00% |
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 | 123 | 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) | 123 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF NEW JERSEY, INC. | 92 | $23K |
| Vision | DELTA DENTAL OF CONNECTICUT, INC. | 53 | $5K |
| Life insurance(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 129 | $11K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 24 | $11K |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 129 | $11K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 129 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.