| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN BENEFIT ADVISORS, INC | 24 ARNETT AVENUE STE 110 LAMBERTVILLE, NJ 08530 | UNITED HEALTHCARE INSURANCE COMPANY | $33K | — | $33K | 1.94% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC NY | 1787 SENTRY PKWY W VEVA 16 STE 320 BLUE BELL, PA 19422 | UNITED HEALTHCARE INSURANCE COMPANY | $0 | $23K | $23K | 1.37% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN METRO INC | 56 LIVINGSTON AVENUE ROSELAND, NJ 07068 | DELTA DENTAL OF NEW JERSEY, INC. | $2K | — | $2K | 2.26% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN BENEFIT ADVISORS, INC | 24 ARNETT AVENUE STE 200 LAMBERTVILLE, NJ 08530 | DELTA DENTAL OF NEW JERSEY, INC. | $2K | — | $2K | 2.12% |
| BROWN & BROWN INSURANCE SERVICES Filed as: BROWN & BROWN BENEFIT ADVISORS, INC | 24 ARNETT AVENUE STE 110 LAMBERTVILLE, NJ 08530 | UNITED HEALTHCARE INSURANCE COMPANY | $707 | — | $707 | 10.00% |
| ASSUREDPARTNERS Filed as: EMERSON ROGERS LLC NY | 1787 SENTRY PKWY W VEVA 16 STE 320 BLUE BELL, PA 19422 | UNITED HEALTHCARE INSURANCE COMPANY | $354 | — | $354 | 5.01% |
| BROWN & BROWN INSURANCE SERVICES Filed as: BROWN & BROWN BENEFIT ADVISORS, INC | 24 ARNETT AVENUE STE 110 LAMBERTVILLE, NJ 08530 | ALPHA DENTAL PROGRAMS INC | $104 | — | $104 | 3.00% |
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 | 124 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 124 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | UNITED HEALTHCARE INSURANCE COMPANY | 124 | $1.7M |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF NEW JERSEY, INC. | 90 | $84K |
| Prescription drug(2 contracts) | UNITED HEALTHCARE INSURANCE COMPANY | 124 | $1.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 124 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.