| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS | 225 WIRELESS BLVD 2ND FLOOR HAUPPAGE, NY 11788 | DELTA DENTAL OF NEW JERSEY, INC. | $7K | — | $7K | 3.33% |
| JAMES HARKINS3 Filed as: JAMES F HARKINS BENEFIT SERVICE GRP | 108 N UNION AVE CRANFORD, NJ 07016 | DELTA DENTAL OF NEW JERSEY, INC. | $3K | — | $3K | 1.66% |
| LAURA RILEY3 | 389 COUNTY ROAD 537 COLTS NECK, NJ 07722 | DELTA DENTAL OF NEW JERSEY, INC. | $3K | — | $3K | 1.66% |
| GROUP ADVISORY INC3 Filed as: GROUP ADVISORY, INC. | 1135 CLIFTON AVE. SUITE 201 CLIFTON, NJ 07013 | DELTA DENTAL OF NEW JERSEY, INC. | $3K | — | $3K | 1.25% |
| JAMES HARKINS3 Filed as: JAMES F HARKINS BENEFIT SERVICE GRP | 108 N UNION AVE SUITE 7 CRANFORD, NJ 07016 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 6.84% |
| LAURA RILEY3 | 389 COUNTY ROAD 537 COLTS NECK, NJ 07722 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 6.84% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS | 225 WIRELESS BLVD SUITE 200 HAUPPAUGE, NY 11788 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $2K | $2K | 4.12% |
| GROUP ADVISORY INC3 | 1135 CLIFTON AVE SUITE 201 CLIFTON, NJ 07013 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $614 | — | $614 | 1.32% |
| LAURE E RILEY3 | 343 THORNALL ST STE 640 EDISON, NJ 08837 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 4.58% |
| 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 | 4.58% |
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 | 181 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 181 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF NEW JERSEY, INC. | 174 | $200K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 181 | $36K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 157 | $47K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 181 | $36K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 181 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.