| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT FOUNDATIONS OF AMERICA3 Filed as: BENEFIT FOUNDATIONS OF AMERICA, LLC | 122 PARISH DRIVE WAYNE, NJ 07470 | DELTA DENTAL OF NJ, INC. | $12K | — | $12K | 2.80% |
| BENEFIT FOUNDATION OF AMERICA3 Filed as: BENEFIT FOUNDATION OF AMERICA, LLC | 122 PARISH DRIVE WAYNE, NJ 07470 | RELIANCE STANDARD | $3K | — | $3K | 1.10% |
| STRATFORD FINANCIAL GROUP, INC.3 | 122 PARISH DRIVE WAYNE, NJ 07470 | RELIANCE STANDARD | $2K | — | $2K | 0.99% |
| STRATFORD FINANCIAL GROUP, INC.3 | 122 PARISH DRIVE WAYNE, NJ 07470 | RELIANCE STANDARD | $3K | — | $3K | 3.25% |
| BENEFIT FOUNDATIONS OF AMERICA3 Filed as: BENEFIT FOUNDATIONS OF AMERICA, LLC | 122 PARISH DRIVE WAYNE, NJ 07470 | RELIANCE STANDARD | $3K | — | $3K | 3.25% |
| BENEFIT FOUNDATIONS OF AMERICA3 Filed as: BENEFIT FOUNDATIONS OF AMERICA, LLC | 122 PARISH DRIVE WAYNE, NJ 07470 | VISION SERVICE PLAN | $2K | — | $2K | 3.59% |
| M. FINANCIAL HOLDINGS INCORPORATED3 Filed as: THE STRATFORD FINANICAL GROUP | 122 PARISH DRIVE WAYNE, NJ 07470 | VISION SERVICE PLAN | $941 | — | $941 | 1.41% |
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 | 1,026 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 24 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,050 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF NJ, INC. | 524 | $435K |
| Vision | VISION SERVICE PLAN | 450 | $67K |
| Life insurance | RELIANCE STANDARD | 220 | $251K |
| Long-term disability | RELIANCE STANDARD | 1,364 | $104K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,364 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.