| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE ROSENTHAL INSURANCE GROUP3 | 1680 ROUTE 23, STE 125 WAYNE, NJ 07470 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 1.30% |
| JLM CONSULTING GROUP INC.3 | 63 BEAVER BROOK RD STE 303 LINCOLN PARK, NJ 07035 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 1.30% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW JERSEY INC. | PO BOX 416315 BOSTON, MA 02241 | AETNA LIFE INSURANCE CO. | $4K | $2K | $6K | 4.49% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW JERSEY INC. | PO BOX 1969 MORRISTOWN, NJ 07962 | AETNA LIFE INSURANCE CO. | $3K | — | $3K | 2.13% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW JERSEY, INC. | 350 MOUNT KEMBLE AVE, STE 2 PO BOX 1969 MORRISTOWN, NJ 079606646 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | $348 | — | $348 | 12.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INSURANCE SERVICES OF CA | 801 SOUTH FIGUEROA STREET FLOOR 7 LOS ANGELES, CA 90017 | DEARBORN NATIONAL LIFE INSURANCE COMPANY | — | $291 | $291 | 10.03% |
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 | 257 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 257 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 257 | $137K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 251 | $251K |
| Other | AETNA LIFE INSURANCE CO. | 257 | $135K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 257 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.