| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 35 WATERVIEW BOULEVARD, SUITE 300 PARSIPPANY, NJ 07054 | DELTA DENTAL OF NEW JERSEY, INC. | $22K | $0 | $22K | 10.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | METROPOLITAN LIFE INSURANCE COMPANY | $23K | $3K | $27K | 14.54% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $11 | $11 | 0.01% |
| AUTUMN STROHMAIER3 | 242 BUTTONWOOD ROAD LANDENBERG, PA 19350 | AFLAC | $2K | $103 | $3K | 9.08% |
| MJ INSURANCE3 Filed as: JASON A. BARE AND VARIOUS AGENTS | 203 MARKET STREET, SUITE 201/210 HAVRE DE GRACE, MD 21078 | AFLAC | $552 | $0 | $552 | 1.99% |
| MICHAEL C WALKER3 Filed as: MICHAEL C. WALKER | 203 MARKET STREET, SUITE 201 HAVRE DE GRACE, MD 21078 | AFLAC | $280 | $24 | $304 | 1.10% |
| MATTHEW D DIPASQUALE3 Filed as: MATTHEW D. DIPASQUALE | 1610 SHIRLEY AVENUE JOPPA, MD 21085 | AFLAC | $243 | $24 | $267 | 0.96% |
| PURAZZO INSURANCE SERVICES, INC.3 Filed as: PURAZZO INSURANCE SERVICES INC. | PO BOX 477 PORT MONMOUTH, NJ 07758 | AFLAC | $219 | $0 | $219 | 0.79% |
| CONSTANCE A TREIBLE3 Filed as: CONSTANCE A. TREIBLE | 128 WILLIAMS ROAD CRESCO, PA 18326 | AFLAC | $137 | $0 | $137 | 0.49% |
| MICHAEL P ZORN3 Filed as: MICHAEL P. ZORN | 10573 VERSAILLES BOULEVARD WELLINGTON, FL 33449 | AFLAC | $96 | $0 | $96 | 0.35% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | VISION SERVICE PLAN | $1K | $0 | $1K | 5.22% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 501 FELLOWSHIP ROAD, SUITE 201 MOUNT LAUREL, NJ 08054 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 20.00% |
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 | 456 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 456 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 320 | $2.6M |
| Dental | DELTA DENTAL OF NEW JERSEY, INC. | 510 | $219K |
| Vision | VISION SERVICE PLAN | 239 | $25K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 456 | $184K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 456 | $184K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 456 | $184K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 320 | $2.6M |
| Other(4 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 456 | $243K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 510 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.