| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PATRICK GRANT3 | 481 UPPER BOULEVARD RIDGEWOOD, NJ 07450 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 4.60% |
| AXA ASSISTANCE, USA3 | 122 SOUTH MICHIGAN AVENUE SUITE 1100 CHICAGO, IL 60603 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $56 | $56 | 0.04% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AND FINANCIAL | 354 EISENHOWER PARKWAY SUITE 2850 LIVINGSTON, NJ 07039 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | $2K | $7K | 13.12% |
| STRATFORD FINANCIAL GROUP, INC.3 Filed as: THE STRATFORD FINANCIAL GROUP | 271 US HIGHWAY 46 SUITE G206 FAIRFIELD, NJ 07728 | VISION SERVICE PLAN | $1K | — | $1K | 5.18% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| COMPSYCH EIN 35-3739783 THIRD PARTY ADMINISTRATOR | Plan Administrator Service code 14 | — | $0 |
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 | 158 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 158 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 130 | $53K |
| Vision | VISION SERVICE PLAN | 138 | $24K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 142 | $143K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 142 | $143K |
| Other | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 142 | $143K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 142 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.