| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW JERSEY INC. | PO BOX 416315 BOSTON, MA 02241 | AETNA LIFE INSURANCE CO. | — | $47K | $47K | 0.45% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW JERSEY, INC. | 150 JOHN F. KENNEDY PARKWAY SUITE 520 SHORT HILLS, NJ 07078 | DELTA DENTAL OF NJ, INC. | $54K | — | $54K | 7.36% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW JERSEY, INC. | PO BOX 1969 MORRISTOWN, NJ 079621969 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $39K | — | $39K | 12.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INSURANCE SVCS OF CA INC. | PO BOX 100003 PASADENA, CA 91189 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $3K | $3K | 0.97% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW JERSEY INC. | 14 COMMERCE DR. CRANFORD, NJ 07016 | HARTFORD LIFE AND ACCIDENT | $20K | — | $20K | 13.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF INSURANCE SVCS OF CA | 18101 VON KARMAN AVE, STE 600 IRVINE, CA 92612 | HARTFORD LIFE AND ACCIDENT | — | $4K | $4K | 2.88% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW JERSEY INC. | 350 MT. KEMBLE AVENUE STE 2 MORRISTOWN, NJ 07960 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $6K | — | $6K | 6.97% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW JERSEY, INC. | 150 JOHN F. KENNEDY PARKWAY PO BOX 520 SHORT HILLS, NJ 07078 | FLAGSHIP HEALTH SYSTEMS | $174 | — | $174 | 3.03% |
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 | 937 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 29 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 966 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 1,592 | $10.5M |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF NJ, INC. | 827 | $741K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 1,498 | $92K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,106 | $329K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 948 | $150K |
| Other | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,106 | $329K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,592 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.