| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES, INC | 2850 GOLF ROAD 4TH FLOOR ROLLING MEADOWS, IL 60008 | AETNA LIFE INSURANCE | $67K | — | $67K | 2.30% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES, INC | 200 JEFFERSON PARK WHIPPANY, NJ 07981 | AETNA LIFE INSURANCE | $40K | — | $40K | 1.38% |
| BOLLINGER INC3 | 200 JEFFERSON PARK WHIPPANY, NJ 07981 | AETNA LIFE INSURANCE | $11K | — | $11K | 0.36% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES, INC | 200 JEFFERSON PARK WHIPPANY, NJ 07981 | DELTA DENTAL OF NEW JERSEY, INC. | $6K | — | $6K | 3.66% |
| BOLLINGER INC3 | 200 JEFFERSON PARK WHIPPANY, NJ 07981 | DELTA DENTAL OF NEW JERSEY, INC. | $563 | — | $563 | 0.35% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 GOLF ROAD STE 1000 #2 ROLLING MEADOWS, IL 60008 | VISION SERVICE PLAN | $880 | — | $880 | 4.68% |
| BOLLINGER INC3 Filed as: BOLLINGER, INC | 200 JEFFERSON PARK WHIPPANY, NJ 07981 | VISION SERVICE PLAN | $173 | — | $173 | 0.92% |
| GALLAGHER BENEFIT SERVICES, INC. Filed as: GALLAGHER BENEFIT SERVICES, INC | 200 JEFFERSON PARK WHIPPANY, NJ 07981 | FLAGSHIP HEALTH SYSTEMS | $328 | — | $328 | 2.50% |
| BOLLINGER INC3 | 200 JEFFERSON PARK WHIPPANY, NJ 07981 | FLAGSHIP HEALTH SYSTEMS | $73 | — | $73 | 0.56% |
| BENECEPTION CONSULTANTS INC.3 | E BERGEN PLACE STE 188 RED BANK, NJ 07701 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 94.52% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES, INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 24.33% |
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 | 245 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 247 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE | 298 | $2.9M |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF NEW JERSEY, INC. | 347 | $174K |
| Vision | VISION SERVICE PLAN | 175 | $19K |
| Life insurance(2 contracts) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 245 | $72K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 215 | $55K |
| Other(3 contracts) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 245 | $12K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 347 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.