No brokers reported on this filing.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HORIZON BCBS OF NJ EIN 22-0999690 SERVICE PROVIDER | Other fees; Account maintenance fees; Claims processing Service code 12 | — | $1.1M |
| OPTUM RX (UHC) SERVICE PROVIDER | Other fees; Claims processing Service code 12 | 2300 MAIN STREET IRVINE, CA 92614 | $216K |
| DELTA DENTAL OF NJ, INC. EIN 22-1896118 SERVICE PROVIDER | Claims processing; Other fees Service code 12 | — | $76K |
| MERCER EIN 36-2336943 ACTUARY | Actuarial Service code 11 | — | $49K |
| PAYFLEX SYSTEMS USA, INC. EIN 47-0816606 SERVICE PROVIDER | Other fees; Account maintenance fees; Claims processing Service code 12 | — | $48K |
| RSM US LLP EIN 42-0714325 AUDITOR | Accounting (including auditing) Service code 10 | — | $47K |
| GENENTECH EIN 94-2347624 AFFILIATE ORGANIZATION | Other fees Service code 99 | — | $15K |
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 | 881 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7,250 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 8,131 | Active + retired/separated + beneficiaries. No dependents. |
No Schedule A insurance contracts on this filing — typical of fully self-funded plans, where the only headcount is the Form 5500 number above.
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Filing reports zero broker compensation on a plan over 100 participants. Likely direct-write or unreported — worth a knock.