| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GROUP ADVISORY INC3 Filed as: GROUP ADVISORY, INC. | 1135 CLIFTON AVENUE SUITE 201 CLIFTON, NJ 07013 | DELTA DENTAL OF NJ, INC. | $11K | $0 | $11K | 4.94% |
| GROUP ADVISORY INC3 Filed as: GROUP ADVISORY, INC. | 1135 CLIFTON AVENUE SUITE 201 CLIFTON, NJ 07013 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $17K | $0 | $17K | 10.00% |
| GROUP ADVISORY INC3 Filed as: GROUP ADVISORY, INC. | 1135 CLIFTON AVENUE SUITE 201 CLIFTON, NJ 07013 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $15K | $0 | $15K | 10.00% |
| GROUP ADVISORY INC3 Filed as: GROUP ADVISORY, INC. | 1135 CLIFTON AVENUE SUITE 201 CLIFTON, NJ 07013 | HARTFORD LIFE AND ACCIDENT | $14K | $0 | $14K | 10.00% |
| KORE INSURANCE HOLDINGS LLC3 | 354 EISENHOWER PARKWAY SUITE 1 LIVINGSTON, NJ 07039 | UNITEDHEALTHCARE INSURANCE COMPANY | $962 | $0 | $962 | 10.00% |
| GROUP ADVISORY INC3 Filed as: GROUP ADVISORY, INC. | 1135 CLIFTON AVENUE SUITE 201 CLIFTON, NJ 07013 | FIRST UNUM LIFE INSURANCE COMPANY | $209 | $0 | $209 | 14.99% |
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 | 171 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 173 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 379 | $843K |
| Dental | DELTA DENTAL OF NJ, INC. | 204 | $227K |
| Life insurance(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 244 | $291K |
| Short-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 10 | $1K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 246 | $169K |
| Other(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 244 | $291K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 379 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.