| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC. | 225 WIRELESS BLVD SECOND FLOOR HAUPPAUGE, NY 11788 | DELTA DENTAL OF NEW JERSEY, INC. | $11K | — | $11K | 4.93% |
| JAMES HARKINS3 Filed as: JAMES F HARKINS BENEFIT SERVICE GRP | 108 N UNION AVE CRANFORD, NJ 07016 | DELTA DENTAL OF NEW JERSEY, INC. | $6K | — | $6K | 2.46% |
| LAURA RILEY3 | 2 CAMELOT DRIVE BYRAM, NJ 07821 | DELTA DENTAL OF NEW JERSEY, INC. | $6K | — | $6K | 2.46% |
| LAURA RILEY3 | 75 ARLINGTON STREET FLOOR 10 BOSTON, MA 02116 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 7.50% |
| 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 | $4K | — | $4K | 7.50% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS | 225 WIRELESS BLVD SUITE 200 HAUPPAUGE, NY 11788 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $723 | $3K | $3K | 5.47% |
| LAURE E RILEY3 | 343 THORNALL ST STE 640 EDISON, NJ 08837 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 4.31% |
| JAMES HARKINS3 Filed as: JAMES F HARKINS | TRUST FINANCIAL SERVICES 215 RIDGEDALE AVE STE 230 FLORHAM PARK, NJ 07932 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 4.31% |
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 | 194 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 194 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF NEW JERSEY, INC. | 185 | $227K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 194 | $41K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 175 | $59K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 194 | $41K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 194 | — |
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.