| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LAURIE GOLDSMITH-HEITNER3 | 141 SOUTH AVENUE FANNWOOD, NJ 07023 | DELTA DENTAL OF NJ, INC. | $10K | — | $10K | 2.60% |
| LAURIE GOLDSMITH-HEITNER3 | 141 SOUTH AVENUR FANWOOD, NJ 07023 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $12K | — | $12K | 5.00% |
| LAURIE GOLDSMITH-HEITNER3 | 141 SOUTH AVENUE FANWOOD, NJ 07023 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $26K | — | $26K | 18.33% |
| LAURIE GOLDSMITH-HEITNER3 | 141 SOUTH AVENUE FANWOOD, NJ 07023 | PRUDENTIAL | $4K | — | $4K | 5.00% |
| STEPHEN S. HONIG3 | 3705 QUAKERSBRIDGE RD STE 216 HAMILTON, NJ 08619 | VISION SERVICE PLAN | $2K | — | $2K | 3.02% |
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 | 559 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 559 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF NJ, INC. | 455 | $388K |
| Vision | VISION SERVICE PLAN | 347 | $73K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 559 | $245K |
| Long-term disability | PRUDENTIAL | 375 | $78K |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 303 | $142K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 559 | — |
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.