| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BLUE OCEAN BENEFITS & CONSULTING3 Filed as: BLUE OCEAN BENEFITS AND CONSULTING | 10 DRS JAMES PARKER BOULEVARD SUITE 201 RED BANK, NJ 07701 | OXFORD HEALTH INSURANCE, INC. | $61K | $0 | $61K | 4.09% |
| ASSUREDPARTNERS3 | 718 RIVER ROAD FAIR HAVEN, NJ 07704 | OXFORD HEALTH INSURANCE, INC. | $0 | $14K | $14K | 0.95% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 4000 MIDLANTIC DRIVE, SUITE 300 MOUNT LAUREL, NJ 08054 | OXFORD HEALTH INSURANCE, INC. | $12K | $0 | $12K | 0.83% |
| BLUE OCEAN BENEFITS & CONSULTING3 Filed as: BLUE OCEAN BENEFITS AND CONSULTING | 10 DRS JAMES PARKER BOULEVARD SUITE 201 RED BANK, NJ 07701 | DELTA DENTAL OF NEW JERSEY, INC. | $3K | $0 | $3K | 2.69% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 35 WATERVIEW BOULEVARD, SUITE 300 PARSIPPANY, NJ 07054 | DELTA DENTAL OF NEW JERSEY, INC. | $533 | $0 | $533 | 0.53% |
| BENE RE LLC3 Filed as: BENE-CEPT CONSULTANTS | 10 DRS JAMES PARKER BOULEVARD SUITE 101-201 RED BANK, NJ 07701 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $8K | $3K | $11K | 11.35% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 5TH FLOOR ROLLING MEADOWS, IL 60008 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 2.14% |
| DAILYFEATS INC.3 Filed as: DAILYFEATS, INC. | 131 TREMONT STREET, 3RD FLOOR BOSTON, MA 02111 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $916 | $0 | $916 | 0.95% |
| BLUE OCEAN BENEFITS & CONSULTING3 Filed as: BLUE OCEAN BENEFITS AND CONSULTING | 10 DRS JAMES PARKER BOULEVARD SUITE 201 RED BANK, NJ 07701 | VISION SERVICE PLAN | $733 | $0 | $733 | 5.66% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | VISION SERVICE PLAN | $121 | $0 | $121 | 0.93% |
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 | 168 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 174 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | OXFORD HEALTH INSURANCE, INC. | 231 | $1.5M |
| Dental | DELTA DENTAL OF NEW JERSEY, INC. | 262 | $101K |
| Vision | VISION SERVICE PLAN | 107 | $13K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 168 | $96K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 168 | $96K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 168 | $96K |
| Prescription drug | OXFORD HEALTH INSURANCE, INC. | 231 | $1.5M |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 168 | $96K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 262 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.