| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 1000 CORPORATE DRIVE SUITE 400 FORT LAUDERDALE, FL 33334 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $236K | $0 | $236K | 9.87% |
| THE VOZZA AGENCY3 | 77 MARKET STREET DEPOT SQUARE PO BOX 100 PARK RIDGE, NJ 07656 | DELTA DENTAL OF NEW JERSEY, INC. | $25K | $0 | $25K | 1.37% |
| GROUP ADVISORY INC3 | 1135 CLIFTON AVE SUITE 201 CLIFTON, NJ 07013 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $90K | $0 | $90K | 7.00% |
| GROUP ADVISORY INC3 | 1135 CLIFTON AVE SUITE 201 CLIFTON, NJ 07013 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $32K | $0 | $32K | 7.00% |
| BANKERS COOPERATIVE GROUP, INC.3 | 411 NORTH AVE E CRANFORD, NJ 07016 | VISION SERVICE PLAN | $9K | $0 | $9K | 3.00% |
| GROUP ADVISORY INC3 | 1135 CLIFTON AVE SUITE 201 CLIFTON, NJ 07013 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $20K | $0 | $20K | 7.00% |
| GROUP ADVISORY INC3 | 1135 CLIFTON AVE SUITE 201 CLIFTON, NJ 07013 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $11K | $0 | $11K | 7.00% |
| THE VOZZA AGENCY3 | 77 MARKET STREET PARK RIDGE, NJ 07656 | DELTA DENTAL OF NEW JERSEY, INC. | $10 | $0 | $10 | 0.42% |
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 | 3,176 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 3,176 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts) | DELTA DENTAL OF NEW JERSEY, INC. | 2,490 | $1.8M |
| Vision | VISION SERVICE PLAN | 2,272 | $294K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 3,176 | $1.3M |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 336 | $288K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 3,012 | $450K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 4,160 | $2.4M |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 3,020 | $164K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,160 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.