| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN METRO LLC | 3330 BARGAINTOWN ROAD SUITE 2 EGG HARBOR TOWNSHIP, NJ 08234 | DELTA DENTAL OF NEW JERSEY, INC. | $11K | — | $11K | 2.53% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN METRO, LLC | 3330 BARGAINTOWN RD STE 2 EGG HARBOR TOWNSHIP, NJ 08234 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $25K | — | $25K | 15.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES | 1200 N MAYFAIR RD SUITE 100 MILWAUKEE, WI 53226 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $2K | $2K | 0.92% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN METRO LLC | 1201 NEW ROAD STE 230 LINWOOD, NJ 08221 | DEARBORN LIFE INSURANCE COMPANY | $12K | — | $12K | 14.60% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN METRO LLC | 3330 BARGAINTOWN ROAD STE 2 EGG HARBOR TOWNSHIP, NJ 08234 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $8K | — | $8K | 10.00% |
| HORIZON INSURANCE COMPANY3 | C/0 FRANK SCHEMBARI 3 PENN PLAZA EAST PP-13V NEWARK, NJ 07105 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $4K | $4K | 5.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE SERVICES, I | 1200 N MAYFAIR RD SUITE 100 MILWAUKEE, WI 53226 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $692 | $692 | 0.91% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN METRO LLC | 3330 BARGAINTOWN ROAD SUITE 2 EGG HARBOR TOWNSHIP, NJ 08234 | HORIZON INSURANCE COMPANY | $6K | — | $6K | 10.01% |
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 | 581 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 584 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF NEW JERSEY, INC. | 1,152 | $435K |
| Vision | HORIZON INSURANCE COMPANY | 516 | $58K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 546 | $81K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 184 | $76K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 411 | $167K |
| Other | DEARBORN LIFE INSURANCE COMPANY | 546 | $81K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,152 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.