| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW JERSEY, INC. | PO BOX 1969 MORRISTOWN, NJ 07962 | HARTFORD LIFE AND ACCIDENT | $5K | — | $5K | 4.44% |
| 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 | 4.08% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF NY INC | 333 EARLE OVINGTON BLVD STE 215 UNIONDALE, NY 11553 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 1.97% |
| 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 | $957 | — | $957 | 4.76% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UMR, INC. EIN 39-1995276 CLAIMS PROCESSING | Claims processing Service code 12 | — | $182K |
| 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 | 267 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Beneficiaries receiving benefits | 4 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 275 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF NEW JERSEY, INC. | 281 | $482K |
| Vision | NATIONAL VISION ADMINISTRATORS | 154 | $20K |
| Life insurance | STANDARD INSURANCE COMPANY | 250 | $96K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 260 | $115K |
| Stop-loss / reinsurancereinsurance | ZURICH NORTH AMERICAN INSURANCE COMPANY | 141 | $695K |
| 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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.