| 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 | $290K | $0 | $290K | 10.74% |
| JOSEPH L VOZZA AGENCY INC.3 | T/A THE VOZZA AGENCY PO BOX 100 PARK RIDGE, NJ 07656 | DELTA DENTAL OF NEW JERSEY, INC. | $25K | $0 | $25K | 1.08% |
| GROUP ADVISORY INC3 | 1135 CLIFTON AVE SUITE 201 CLIFTON, NJ 07013 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $98K | $0 | $98K | 7.00% |
| GROUP ADVISORY INC3 | 1135 CLIFTON AVE SUITE 201 CLIFTON, NJ 07013 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $40K | $0 | $40K | 7.00% |
| GROUP ADVISORY INC3 | 1135 CLIFTON AVE SUITE 201 CLIFTON, NJ 07013 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $26K | $0 | $26K | 7.00% |
| MARILYN GOLDFISCHER3 Filed as: MARILYN L GOLDFISCHER | 24 W SADDLE RIVER ROAD SADDLE RIVER, NJ 07458 | CONTINENTAL AMERICAN INSURANCE COMPANY | $73K | $0 | $73K | 19.75% |
| CHRIS STROUD3 | 120 SMITHTOWN RD HACKETTSTOWN, NJ 07840 | CONTINENTAL AMERICAN INSURANCE COMPANY | $32K | $0 | $32K | 8.71% |
| JOSHUA PAUL GROUP INC3 Filed as: JOSHUA PAUL GROUP INC. | 150 ALLEN ROAD SUITE 110 BASKING RIDGE, NJ 08807 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 0.89% |
| ADAM MAGGIO3 | 1025 MAXWELL LN APT 902 HOBOKEN, NJ 07030 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 0.52% |
| BANKERS COOPERATIVE GROUP, INC.3 | 411 NORTH AVE E CRANFORD, NJ 07016 | VISION SERVICE PLAN | $8K | $0 | $8K | 2.74% |
| GROUP ADVISORY INC3 | 1135 CLIFTON AVE SUITE 201 CLIFTON, NJ 07013 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $11K | $0 | $11K | 7.00% |
| GROUP ADVISORY INC3 | 1135 CLIFTON AVE STE 201 CLIFTON, NJ 07013 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | $6K | $0 | $6K | 7.00% |
| JOSEPH L VOZZA AGENCY INC.3 | T/A THE VOZZA AGENCY P.O. BOX 100 PARK RIDGE, NJ 07656 | DELTA DENTAL OF NEW JERSEY, INC. | $10 | $0 | $10 | 0.65% |
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 | 3,416 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 3,416 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CONTINENTAL AMERICAN INSURANCE COMPANY | 872 | $367K |
| Dental(2 contracts) | DELTA DENTAL OF NEW JERSEY, INC. | 5,056 | $2.4M |
| Vision | VISION SERVICE PLAN | 2,388 | $299K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 3,416 | $1.4M |
| Short-term disability(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,663 | $463K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 3,261 | $566K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 4,388 | $2.7M |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 3,272 | $154K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,056 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.