| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EJA/CAPACITY BENEFITS AGENCY, LLC3 Filed as: EJA CAPACITY BENEFITS AGENCY LLC | 217 ROUTE 130 BORDENTOWN, NJ 08505 | NIPPON LIFE BENEFITS | $45K | — | $45K | 5.00% |
| BENEFIT MALL3 | 4851 LBJ FREEWAY SUITE 1100 DALLAS, TX 75244 | NIPPON LIFE BENEFITS | $9K | — | $9K | 1.00% |
| CHRIS FORREST3 | 10000 MIDLANTIC DRIVE SUITE 100 EAST MOUNT LAUREL, NJ 08054 | NORTHWESTERN MUTUAL | $5K | $1K | $6K | 4.52% |
| GARY M. SHICKORA3 | 10000 MIDLANTIC DRIVE SUITE 100 EAST MOUNT LAUREL, NJ 08054 | NORTHWESTERN MUTUAL | $795 | $189 | $984 | 0.76% |
| ANTHONY ROBERT STANLEY3 | 1818 MARKET STREET SUITE 3010 PHILADELPHIA, PA 19103 | NORTHWESTERN MUTUAL | $620 | $54 | $674 | 0.52% |
| TRS AGENCY LLC3 | 1818 MARKET STREET SUITE 3010 PHILADELPHIA, PA 19103 | NORTHWESTERN MUTUAL | $85 | $7 | $92 | 0.07% |
| CHRIS FORREST3 | 10000 MIDLANTIC DRIVE SUITE 100 EAST MOUNT LAUREL, NJ 08054 | NORTHWESTERN MUTUAL | $2K | $407 | $2K | 7.04% |
| GARY M. SHICKORA3 | 10000 MIDLANTIC DRIVE SUITE 100 EAST MOUNT LAUREL, NJ 08054 | NORTHWESTERN MUTUAL | $293 | $70 | $363 | 1.18% |
| TRS AGENCY LLC3 | 1818 MARKET STREET SUITE 3010 PHILADELPHIA, PA 19103 | NORTHWESTERN MUTUAL | $170 | $15 | $185 | 0.60% |
| ANTHONY ROBERT STANLEY3 | 1818 MARKET STREET SUITE 3010 PHILADELPHIA, PA 19103 | NORTHWESTERN MUTUAL | $91 | $8 | $99 | 0.32% |
| EJ CAPACITY BENEFITS AGENCY LLC3 | 217 ROUTE 130 BORDENTOWN, NJ 08505 | UNION SECURITY INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| EJA/CAPACITY BENEFITS AGENCY, LLC3 Filed as: EJA CAPACITY BENEFITS AGENCY, LLC | 217 ROUTE 130 BORDENTOWN, NJ 08505 | HORIZON HEALTHCARE SERVICES, INC. | $931 | $0 | $931 | 5.90% |
| EJA/CAPACITY BENEFITS AGENCY, LLC3 Filed as: EJA CAPACITY BENEFITS AGENCY LLC | 217 ROUTE 130 BORDENTOWN, ND 08505 | UNION SECURITY INSURANCE COMPANY | $1K | — | $1K | 9.36% |
| EJA/CAPACITY BENEFITS AGENCY, LLC3 Filed as: EJA CAPACITY INSURANCE AGENCY | 217 US HIGHWAY 130 BORDENTOWN, NJ 08505 | VISION SERVICE PLAN | $619 | $0 | $619 | 8.38% |
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 | 104 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 109 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | NIPPON LIFE BENEFITS | 123 | $908K |
| Dental | HORIZON HEALTHCARE SERVICES, INC. | 62 | $16K |
| Vision | VISION SERVICE PLAN | 46 | $7K |
| Life insurance(2 contracts) | UNION SECURITY INSURANCE COMPANY | 108 | $35K |
| Short-term disability | NORTHWESTERN MUTUAL | 90 | $31K |
| Long-term disability | NORTHWESTERN MUTUAL | 89 | $130K |
| Other | UNION SECURITY INSURANCE COMPANY | 108 | $15K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 123 | — |
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.