| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AJM INSURANCE MANAGEMENT3 | 1317 ROUTE 73 #101 MOUNT LAUREL, NJ 08504 | AMERIHEALTH INSURANCE INC. | $28K | $0 | $28K | 4.07% |
| AJM INSURANCE MANAGEMENT3 | 1317 ROUTE 73 #101 MOUNT LAUREL, NJ 08504 | AMERIHEALTH INSURANCE INC. | $31K | $0 | $31K | 5.44% |
| AJM INSURANCE MANAGEMENT3 Filed as: AJM INSURANCE COMPANY | 1317 ROUTE 73 #101 MOUNT LAUREL, NJ 08504 | AMERIHEALTH INSURANCE COMPANY | $0 | $0 | $0 | 0.00% |
| JAMES A BRISTOW3 Filed as: JAMES A. BRISTOW | 712 POMONA ROAD CINNAMINSON, NJ 08077 | THE STANDARD INSURANCE COMPANY | $24K | $0 | $24K | 18.00% |
| MSM GENERAL AGENCY INC3 | PO BOX 060470 STATEN ISLAND, NY 10306 | THE STANDARD INSURANCE COMPANY | $2K | $0 | $2K | 4.94% |
| BCG SECURITIES INC.3 Filed as: BCG SECURITIES INC | 600 DELRAN PARKWAY SUITE B DELRAN, NJ 08075 | THE STANDARD INSURANCE COMPANY | $2K | $0 | $2K | 4.93% |
| JAMES A BRISTOW3 Filed as: JAMES A. BRISTOW | 712 POMONA ROAD CINNAMINSON, NJ 08077 | HORIZON HEALTHCARE SERVICES INC | $2K | $0 | $2K | 4.90% |
| JAMES A BRISTOW3 Filed as: JAMES A. BRISTOW | 712 POMONA ROAD CINNAMINSON, NJ 08077 | THE STANDARD INSURANCE COMPANY | $2K | $0 | $2K | 7.41% |
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 | 142 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 142 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | HORIZON HEALTHCARE SERVICES INC | 90 | $33K |
| Life insurance | THE STANDARD INSURANCE COMPANY | 142 | $30K |
| Long-term disability | THE STANDARD INSURANCE COMPANY | 152 | $132K |
| Other(2 contracts, 2 carriers) | AMERIHEALTH INSURANCE COMPANY | 170 | $226K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 170 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.