| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SWEATT & WALTERS ASSOCIATES LLC3 | 235 ROUTE 22 GREEN BROOK, NJ 08812 | OXFORD HEALTH INSURANCE, INC. | $36K | — | $36K | 2.39% |
| THE AHART AGENCY INC3 Filed as: THE AHART AGENCY DBA AHART, FRINZI | 2250 BELVIDERE ROAD PO BOX 31 PHILLIPSBURG, NJ 08865 | OXFORD HEALTH INSURANCE, INC. | $29K | — | $29K | 1.95% |
| DONALD C SAVOY INC3 Filed as: DONALD C SAVOY, INC | 25B HANOVER ROAD SUITE 220 FLORHAM PARK, NJ 07932 | OXFORD HEALTH INSURANCE, INC. | — | $14K | $14K | 0.93% |
| PREFERRED BENEFITS GROUP3 Filed as: PREFERRED BENEFITS GROUP, INC. | 80 EAST STATE ROUTE 4 SUITE 245 PARAMUS, NJ 07652 | OXFORD HEALTH INSURANCE, INC. | $153 | — | $153 | 0.01% |
| PLATINUM PLANNING INC3 Filed as: PLATINUM PLANNING TBA WALSH BENEFIT | 718 RIVER ROAD FAIR HAVEN, NJ 07704 | OXFORD HEALTH INSURANCE, INC. | — | $91 | $91 | 0.01% |
| PREFERRED BENEFITS GROUP3 Filed as: PREFERRED BENEFITS GROUP INC | 80 EAST STATE ROUTE 4 SUITE 245 PARAMUS, NJ 07652 | PRINCIPAL LIFE INSURANCE COMPANY | $9K | — | $9K | 5.67% |
| PLATINUM PLANNING INC3 | 718 RIVER ROAD FAIR HAVEN, NJ 07704 | PRINCIPAL LIFE INSURANCE COMPANY | $5K | — | $5K | 3.00% |
| GARY LYNN JOHNSON3 | 3850 EAST BASELINE ROAD SUITE 121 MESA, AZ 85206 | PRINCIPAL LIFE INSURANCE COMPANY | — | $3K | $3K | 2.00% |
| DONALD C SAVOY INC3 | 25 HANOVER ROAD #B SUITE 220 FLORHAM PARK, NJ 07932 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $3K | $7K | 6.49% |
| SWEATT & WALTERS ASSOCIATES LLC3 Filed as: SWEATT & WALTERS ASSOCIATION LLC | 235 US HIGHWAY 22 GREEN BROOK, NJ 08812 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 2.03% |
| THE AHART AGENCY INC3 | PO BOX 31 PHILLIPSBURG, NJ 08865 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 2.03% |
| DAVID GOLDBERG3 Filed as: DAVID KONIKOW | 354 EISENHOWER PARKWAY SUITE 2900 LIVINGSTON, NJ 07039 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 9.90% |
| NEW JERSEY LIFE & CASUALTY ASS3 | 354 EISENHOWER PARKWAY SUITE 2900 LIVINGSTON, NJ 07039 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 9.90% |
| PREFERRED BENEFITS GROUP3 Filed as: PREFERRED BENEFITS GROUP INC | 80 EAST STATE ROUTE 4 SUITE 245 PARAMUS, NJ 07652 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | — | $2K | 12.43% |
| PLATINUM PLANNING INC3 | 718 RIVER ROAD FAIR HAVEN, NJ 07704 | PRINCIPAL LIFE INSURANCE COMPANY | $396 | — | $396 | 3.00% |
| GARRY LYNN JOHNSON3 | 3850 EAST BASELINE ROAD SUITE 121 MESA, AZ 85206 | PRINCIPAL LIFE INSURANCE COMPANY | — | $264 | $264 | 2.00% |
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 | 100 | 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) | 100 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | OXFORD HEALTH INSURANCE, INC. | 226 | $1.5M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 388 | $115K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 388 | $115K |
| Life insurance(2 contracts) | PRINCIPAL LIFE INSURANCE COMPANY | 121 | $163K |
| Long-term disability(2 contracts) | PRINCIPAL LIFE INSURANCE COMPANY | 121 | $163K |
| Other(3 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 121 | $223K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 388 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.