| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BANKERS COOPERATIVE GROUP, INC.3 | 411 NORTH AVENUE CRANFORD, NJ 07016 | DELTA DENTAL OF NJ, INC. | — | $77K | $77K | 2.27% |
| GARY SCHEER3 | 65 MADISON AVENUE SUITE 540 MORRISTOWN, NJ 07960 | DELTA DENTAL OF NJ, INC. | — | $3K | $3K | 0.08% |
| BANKERS COOPERATIVE GROUP, INC.3 | 411 NORTH AVENUE EAST CRANFORD, NJ 07016 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $70K | $89K | $160K | 7.42% |
| ONOFRIO R CIRIANNI3 | 750 ROUTE 202 SOUTH SUITE 410 BRIDGEWATER, NJ 08502 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $702 | $0 | $702 | 0.03% |
| PAUL T VECCHIONE3 | 6 MATTHEWS FARM ROAD BELLE MEAD, NJ 08502 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $702 | $0 | $702 | 0.03% |
| BANKERS COOPERATIVE GROUP, INC.3 | 411 NORTH AVENUE EAST CRANFORD, NJ 07016 | UNITED HEALTHCARE INSURANCE COMPANY | $22K | $0 | $22K | 2.75% |
| BANKERS COOPERATIVE GROUP, INC.3 | 411 NORTH AVENUE EAST CRANFORD, NJ 07016 | VISION SERVICE PLAN | $0 | $25K | $25K | 5.70% |
| BANKERS COOPERATIVE GROUP, INC.3 | 411 NORTH AVENUE EAST CRANFORD, NJ 07016 | CIGNA BEHAVIORAL HEALTH, INC. | $0 | $17K | $17K | 27.25% |
| BANKERS COOPERATIVE GROUP, INC.3 | 411 NORTH AVENUE EAST CRANFORD, NJ 07016 | FLAGSHIP HEALTH SYSTEMS | $1K | $216 | $1K | 3.60% |
| BANKERS COOPERATIVE GROUP, INC.3 | 411 NORTH AVENUE EAST CRANFORD, NJ 07016 | ZURICH AMERICAN INSURANCE COMPANY | $8K | $0 | $8K | 20.00% |
| BANKERS COOPERATIVE GROUP, INC.3 | 411 NORTH AVENUE EAST CRANFORD, NJ 07016 | ZURICH AMERICAN INSURANCE COMPANY | $6K | $0 | $6K | 20.00% |
| BANKERS COOPERATIVE GROUP, INC.3 | 411 NORTH AVENUE EAST CRANFORD, NJ 07016 | UNITED HEALTHCARE INSURANCE COMPANY | $1K | $0 | $1K | 4.98% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BANKERS COOPERATIVE GROUP, INC. EIN 22-2412247 AFFILIATED COMPANY | Contract Administrator; Custodial (securities) Service code 13 | 411 NORTH AVENUE EAST CRANFORD, NJ 07016 | $327K |
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 | 6,413 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 226 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 6,639 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 234 | $787K |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF NJ, INC. | 3,546 | $3.4M |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 4,060 | $469K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 3,428 | $2.2M |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 3,428 | $2.2M |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 3,428 | $2.2M |
| Other(3 contracts, 2 carriers) | CIGNA BEHAVIORAL HEALTH, INC. | 4,747 | $133K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,747 | — |
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."
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.