| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | 1000 CORPORATE CENTER DRIVE SUITE 400 FORT LAUDERDALE, FL 33334 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $247K | — | $247K | 6.61% |
| JOSEPH L VOZZA AGENCY INC.3 | T/A THE VOZZA AGENCY PO BOX 100 PARK RIDGE, NJ 07656 | DELTA DENTAL OF NEW JERSEY, INC. | $27K | — | $27K | 1.12% |
| GROUP ADVISORY INC3 | 1135 CLIFTON AVE SUITE 201 CLIFTON, NJ 07013 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $109K | — | $109K | 6.46% |
| GROUP ADVISORY INC3 | 1135 CLIFTON AVE SUITE 201 CLIFTON, NJ 07013 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $46K | — | $46K | 6.43% |
| MARILYN GOLDFISCHER3 Filed as: MARILYN L GOLDFISCHER | 124 W SADDLE RIVER ROAD SADDLE RIVER, NJ 07458 | CONTINENTAL AMERICAN INSURANCE COMPANY | $69K | — | $69K | 14.89% |
| CHRIS STROUD3 | 120 SMITHTOWN RD HACKETTSTOWN, NJ 07840 | CONTINENTAL AMERICAN INSURANCE COMPANY | $31K | — | $31K | 6.84% |
| JOSHUA PAUL GROUP INC3 Filed as: JOSHUA PAUL GROUP INC. | 150 ALLEN ROAD SUITE 110 BASKING RIDGE, NJ 08807 | CONTINENTAL AMERICAN INSURANCE COMPANY | $6K | — | $6K | 1.25% |
| ADAM MAGGIO3 | 1025 MAXWELL LN APT 902 HOBOKEN, NJ 07030 | CONTINENTAL AMERICAN INSURANCE COMPANY | $200 | — | $200 | 0.04% |
| GROUP ADVISORY INC3 | 1135 CLIFTON AVE SUITE 201 CLIFTON, NJ 07013 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $27K | — | $27K | 6.40% |
| BANKERS COOPERATIVE GROUP, INC.3 | 411 NORTH AVE E CRANFORD, NJ 07016 | VISION SERVICE PLAN | $9K | — | $9K | 3.00% |
| GROUP ADVISORY INC3 | 1135 CLIFTON AVE SUITE 201 CLIFTON, NJ 07013 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $10K | — | $10K | 6.47% |
| EMPOWER BENEFITS INC3 Filed as: EMPOWER BENEFITS, INC. | CORESTREAM 3606 ENTERPRISE AVENUE SUITE 304 NAPLES, FL 34104 | METLIFE LEGAL PLANS | $3K | — | $3K | 10.20% |
| EMPOWER BENEFITS INC3 Filed as: EMPOWER BENEFITS INC. | DBA CORESTREAM 5100 TAMIAMI TRAIL SUITE 103 NAPLES, FL 34103 | METLIFE LEGAL PLANS | — | $707 | $707 | 2.84% |
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 | 3,510 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 3,510 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CONTINENTAL AMERICAN INSURANCE COMPANY | 1,480 | $461K |
| Dental | DELTA DENTAL OF NEW JERSEY, INC. | 2,723 | $2.4M |
| Vision | VISION SERVICE PLAN | 2,431 | $313K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 3,510 | $1.7M |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,484 | $423K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 3,348 | $712K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 4,484 | $3.7M |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 3,366 | $179K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,484 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.