| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOSEPH L VOZZA AGENCY INC.3 Filed as: JOSEPH L. VOZZA, INC. T/A THE VOZZA | P O BOX 100 PARK RIDGE, NJ 07656 | DELTA DENTAL OF NJ, INC. | $19K | — | $19K | 1.05% |
| GROUP ADVISORY INC3 | 1135 CLIFTON AVENUE SUITE 201 CLIFTON, NJ 07013 | CIGNA LIFE INSURANCE CO | $61K | — | $61K | 7.00% |
| GROUP ADVISORY INC3 Filed as: GROUP ADVISORY INC. | 1135 CLIFTON AVE SUITE 201 CLIFTON, NJ 07013 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | — | $6K | 7.00% |
| JOSEPH L VOZZA AGENCY INC.3 Filed as: JOSEPH L VOZZA AGENCY, INC. | P O BOX 100 PARK RIDGE, NJ 07656 | DELTA DENTAL OF NJ INC | $9 | — | $9 | 0.66% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 151 FARMINGTON AVENUE HARTFORD, CT 06156 | $1.2M |
| MASTERS COVERAGE CORP EIN 81-0558611 BROKER SUBSIDIARY | Insurance agents and brokers Service code 22 | — | $0 |
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 | 2,288 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 166 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,454 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts) | DELTA DENTAL OF NJ, INC. | 1,877 | $1.9M |
| Life insurance | CIGNA LIFE INSURANCE CO | 3,231 | $871K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,280 | $87K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,231 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.