| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN BENEFIT ADVISORS | 711 E MAIN ST MOORSETOWN, NJ 08057 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 3.95% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN BENEFIT ADVISORS | 711 E MAIN ST MOORSETOWN, NJ 08057 | STANDARD INSURANCE COMPANY | $863 | — | $863 | 0.92% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW JERSEY, INC | 14 COMMERCE DRIVE CRANFORD, NJ 07016 | HARTFORD LIFE AND ACCIDENT | $6K | — | $6K | 6.64% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS INSURANCE SVCS OF CA | 18101 VON KARMAN AVE STE 600 IRVINE, CA 92612 | HARTFORD LIFE AND ACCIDENT | — | $3K | $3K | 3.01% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN BENEFIT ADVISORS, INC | 24 ARNETT AVE STE 110 LAMBERTVILLE, NJ 08530 | NATIONAL VISION ADMINISTRATORS | $523 | — | $523 | 4.76% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $173K |
| BROWN & BROWN BENEFIT ADVISORS INC EIN 22-2101409 BROKER | Other commissions Service code 55 | 24 ARNETT AVE #200 LAMBERTVILLE, NJ 08530 | $45K |
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 | 276 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Beneficiaries receiving benefits | 4 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 283 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF NEW JERSEY, INC. | 281 | $497K |
| Vision | NATIONAL VISION ADMINISTRATORS | 156 | $11K |
| Life insurance | STANDARD INSURANCE COMPANY | 258 | $94K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 271 | $92K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 142 | $638K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 281 | — |
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.