| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE VOZZA AGENCY3 | 77 MARKET STREET DEPOT SQUARE PO BOX 100 PARK RIDGE, NJ 07656 | DELTA DENTAL OF NEW JERSEY, INC. | $21K | — | $21K | 1.05% |
| GROUP ADVISORY INC3 | 1135 CLIFTON AVE SUITE 201 CLIFTON, NJ 07013 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $77K | — | $77K | 6.99% |
| GROUP ADVISORY INC3 | 1135 CLIFTON AVE SUITE 201 CLIFTON, NJ 07013 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $20K | — | $20K | 7.00% |
| BANKERS COOPERATIVE GROUP, INC.3 | 411 NORTH AVE E CRANFORD, NJ 07016 | VISION SERVICE PLAN | $6K | — | $6K | 3.00% |
| GROUP ADVISORY INC3 | 1135 CLIFTON AVE SUITE 201 CLIFTON, NJ 07013 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $11K | — | $11K | 7.00% |
| GROUP ADVISORY INC3 | 1135 CLIFTON AVE SUITE 201 CLIFTON, NJ 07013 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $9K | — | $9K | 7.00% |
| THE VOZZA AGENCY3 | 77 MARKET STREET DEPOT SQUARE PO BOX 100 PARK RIDGE, NJ 07656 | DELTA DENTAL OF NEW JERSEY, INC. | $14 | — | $14 | 27.45% |
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 | 2,672 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 2,672 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts) | DELTA DENTAL OF NEW JERSEY, INC. | 4,004 | $2.0M |
| Vision | VISION SERVICE PLAN | 1,872 | $216K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,672 | $1.1M |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 741 | $124K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,242 | $292K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 2,512 | $159K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,004 | — |
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.