| 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 520 SHORT HILLS, NJ 07016 | STANDARD INSURANCE COMPANY | $148K | $8K | $156K | 9.79% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | 350 HUDSTON STREET NEW YORK, NY 10014 | AETNA LIFE INSURANCE COMPANY | $11K | $20K | $31K | 5.55% |
| USI INSURANCE SERVICES LLC3 | 180 PARK AVENUE FLORHAM PARK, NJ 07932 | AETNA LIFE INSURANCE COMPANY | $6K | $0 | $6K | 1.04% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW JERSEY INC | PO BOX 416315 BOSTON, MA 02241 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $13K | $789 | $14K | 15.88% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 | PO BOX 102159 PASADENA, CA 91189 | VISION SERVICE PLAN | $2K | $0 | $2K | 2.23% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62939 VIRGINIA BEACH, VA 23466 | VISION SERVICE PLAN | $652 | $0 | $652 | 0.88% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW JERSEY INC | 150 JOHN F, KENNEDY PARKWAY SHORT HILLS, NJ 07078 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $845 | $0 | $845 | 1.78% |
| HELEN DIZ-HATTON3 Filed as: HELEN DIX-HATTON | 4 PALMER LANE ENGLISHTOWN, NJ 07726 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $288 | $0 | $288 | 0.61% |
| HOWARD HOROWITZ3 Filed as: HOWARD J HOROWITZ | 2610 ALOCTT STREET CARMEL, IN 46032 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $136 | $21 | $157 | 0.33% |
| CLARICE R MIMS3 | 133 HILLCREST DRIVE MARLBORO, NY 12542 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $152 | $0 | $152 | 0.32% |
| PARKS BENEFITS & ENROLLMENT LLC3 Filed as: PARKS BENEFITS AND ENROLLMENTS LLC | 504 LITCHFIELD LANE LEXINGTON, SC 29072 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $117 | $15 | $132 | 0.28% |
| DAVID J MCCLELLAN3 Filed as: DAVID J MCCCLELLAN | 118 ROYAL HORSE WAY REINHOLDS, PA 17569 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $43 | $20 | $63 | 0.13% |
| MAGDA ISABEL WISDOM3 | 2453 WILLOW PARK ROAD BETHLEHEM, PA 18020 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $18 | $0 | $18 | 0.04% |
| BRANDON MARCELLO CENTO3 | 13816 FERNLEAF WAY CARMEL, IN 46033 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $10 | $0 | $10 | 0.02% |
| HELEN DIZ-HATTON3 | 4 PALMER LANE ENGLISHTOWN, NJ 07726 | THE PAUL REVERE LIFE INSURANCE COMPANY | $9 | $0 | $9 | 0.68% |
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 | 742 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 127 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 9 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 878 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA LIFE INSURANCE COMPANY | 1,108 | $560K |
| Vision | VISION SERVICE PLAN | 466 | $74K |
| Life insurance | STANDARD INSURANCE COMPANY | 742 | $1.6M |
| Short-term disability(3 contracts, 3 carriers) | STANDARD INSURANCE COMPANY | 742 | $1.6M |
| Long-term disability | STANDARD INSURANCE COMPANY | 742 | $1.6M |
| Other(2 contracts, 2 carriers) | STANDARD INSURANCE COMPANY | 742 | $1.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,108 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.