| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BLUE OCEAN BENEFITS & CONSULTING3 | 10 DRS JAMES PARKER BLVD STE 201 RED BANK, NJ 07701 | OXFORD HEALTH INSURANCE, INC. | $53K | $0 | $53K | 4.88% |
| PLATINUM PLANNING INC3 Filed as: PLATINUM PLANNING TBA WALSH BENEFIT | 718 RIVER ROAD FAIR HAVEN, NJ 07704 | OXFORD HEALTH INSURANCE, INC. | $0 | $11K | $11K | 1.02% |
| AP BENEFIT ADVSR DBA ASSURED3 Filed as: AP BENEFIT ADVSR | DA ASSURED PARTNERS WB 718 RIVER ROAD FAIR HAVEN, NJ 07704 | OXFORD HEALTH INSURANCE, INC. | $0 | $3K | $3K | 0.25% |
| BLUE OCEAN BENEFITS & CONSULTING3 | 10 DRS JAMES PARKER BLVD SUITE 201 RED BANK, NJ 07701 | DELTA DENTAL OF NJ, INC. | $3K | $0 | $3K | 3.17% |
| BENE RE LLC3 Filed as: BENE-CEPT CONSULTANTS | 10 DRS JAMES PARKER BLVD SUITE 101-201 RED BANK, NJ 07701 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7K | $3K | $11K | 16.68% |
| DAILYFEATS INC.3 Filed as: DAILYFEATS INC | 131 TREMONT STREET 3RD FLOOR BOSTON, MA 02111 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 3.00% |
| BENE RE LLC3 Filed as: BENE-CEPT CONSULTANTS | 10 DRS. JAMES PARKER BLVD. SUITE 101-201 RED BANK, NJ 07701 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | $1K | $3K | 16.71% |
| INTERNL PLANNING ALL LLC3 | 300 BROADACRES DR STE 175 BLOOMFIELD, NJ 07003 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $13 | $0 | $13 | 0.08% |
| BLUE OCEAN BENEFITS & CONSULTING3 | 10 DRS JAMES PARKER BLVD SUITE 201 RED BANK, NJ 07701 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | $0 | $1K | 11.41% |
| BLUE OCEAN BENEFITS & CONSULTING3 | 10 DRS JAMES PARKER BLVD STE 201 RED BANK, NJ 07701 | FIDELITY SECURITY LIFE INSURANCE COMPANY (EYEMED) | $122 | $0 | $122 | 9.97% |
| MAXWELL HEALTH3 | 101 TREMONT ST FLOOR 11 BOSTON, MA 02108 | FIDELITY SECURITY LIFE INSURANCE COMPANY (EYEMED) | $0 | $24 | $24 | 1.96% |
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 | 154 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 158 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | OXFORD HEALTH INSURANCE, INC. | 229 | $1.1M |
| Dental | DELTA DENTAL OF NJ, INC. | 255 | $87K |
| Vision(2 contracts, 2 carriers) | FIDELITY SECURITY LIFE INSURANCE COMPANY | 205 | $10K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 172 | $63K |
| Short-term disability(2 contracts) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 172 | $80K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 172 | $63K |
| Prescription drug | OXFORD HEALTH INSURANCE, INC. | 229 | $1.1M |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 172 | $63K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 255 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.