| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW JERSEY,INC. | 150 JOHN F. KENNEDY PARKWAY, SUITE SHORT HILLS, NJ 070782703 | UNITED HEALTHCARE | $56K | — | $56K | 4.91% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW JERSEY,INC. | 150 JOHN F. KENNEDY PARKWAY, SUITE SHORT HILLS, NJ 07078 | DELTA DENTAL OF NJ, INC. | $2K | $0 | $2K | 4.62% |
| WILLIS TOWERS WATSON US LLC Filed as: WILLIS OF NEW JERSEY,INC. | PO BOX 416315 BOSTON, MA 02241 | NEW YORK LIFE | $2K | $0 | $2K | 15.00% |
| WILLIS TOWERS WATSON US LLC Filed as: WILLIS OF NEW JERSEY,INC. | PO BOX 416315 BOSTON, MA 02241 | NEW YORK LIFE | $1K | $0 | $1K | 12.00% |
| WILLIS TOWERS WATSON US LLC4 Filed as: WILLIS OF NEW JERSEY,INC. | 150 JOHN F. KENNEDY PARKWAY, SUITE SHORT HILLS, NJ 07078 | UNITED HEALTHCARE | $701 | — | $701 | 10.00% |
| WILLIS TOWERS WATSON US LLC Filed as: WILLIS OF NEW JERSEY,INC. | 150 JOHN F. KENNEDY PARKWAY, SUITE SHORT HILLS, NJ 07078 | FLAGSHIP HEALTH SYSTEMS | $124 | — | $124 | 2.80% |
| WILLIS TOWERS WATSON US LLC Filed as: WILLIS OF NEW JERSEY,INC. | PO BOX 416315 BOSTON, MA 02241 | NEW YORK LIFE | $174 | $0 | $174 | — |
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 | 133 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 133 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | UNITED HEALTHCARE | 133 | $1.1M |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF NJ, INC. | 87 | $53K |
| Long-term disability | NEW YORK LIFE | 16 | $11K |
| Other(2 contracts) | NEW YORK LIFE | 77 | $11K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 133 | — |
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.
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.