| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GROUP ADVISORY INC3 Filed as: GROUP ADVISORY, INC. | 1135 CLIFTON AVE. SUITE 201 CLIFTON, NJ 07013 | DELTA DENTAL OF NEW JERSEY, INC. | $9K | — | $9K | 5.00% |
| LAURE E RILEY3 | 343 THORNALL ST STE 640 EDISON, NJ 08837 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 4.85% |
| JAMES HARKINS3 Filed as: JAMES F HARKINS | TRUST FINANCIAL SERVICES 147 COLUMBIA TPKE STE 109 FLORHAM PARK, NJ 07932 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 4.85% |
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 | 166 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 166 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF NEW JERSEY, INC. | 158 | $175K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 166 | $32K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 166 | $32K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 166 | — |
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.