| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BCG EMPLOYEE BENEFITS3 | 54 BROAD ST, STE 205 RED BANK, NJ 07701 | UNITEDHEALTHCARE INSURANCE COMPANY | $99K | $0 | $99K | 2.32% |
| BENEFITS CONSULTING GROUP Filed as: BENEFITS CONSULTING GROUP INC | DBA BCG ADVISORS 700 PLAZA DRIVE, SUITE 216 SECAUCUS, NJ 07094 | DELTA DENTAL OF NEW JERSEY, INC. | $5K | $0 | $5K | 4.00% |
| BCG ADVISORS | 54 BROAD ST, STE 205 REDBANK, NJ 07001 | UNUM LIFE INSURANCE OF AMERICA | $7K | $0 | $7K | 5.72% |
| BCG EMPLOYEE BENEFITS3 | 54 BROAD ST, STE 205 RED BANK, NJ 07701 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | — | $3K | 10.04% |
| BCG ADVISORS | 54 BROAD ST, STE 205 REDBANK, NJ 07001 | UNUM LIFE INSURANCE OF AMERICA | $2K | — | $2K | 13.79% |
| LOUIS J DEGATI | 16059 23RD AVE WHITESTONE, NY 11357 | AFLAC | $344 | — | $344 | 4.79% |
| RICHARD PETERSON Filed as: RICHARD D PETERSON | 19 IDLE DAY DR CENTERPORT, NY 11721 | AFLAC | $219 | — | $219 | 3.05% |
| JACQUES P DAVID CORPORATION Filed as: JACQUES P DAVID | 5 MONFORT DR HUNTINGTON, NY 11743 | AFLAC | $106 | — | $106 | 1.48% |
| KENNETH C MEIER CORP Filed as: KENNETH C MEIER | 19 MARKWOOD RD FOREST HILLS, NY 11375 | AFLAC | $44 | — | $44 | 0.61% |
| BRIAN WHITE Filed as: BRIAN M WHITE | 6 COWDIN LN CHAPPAQUA, NY 10514 | AFLAC | $9 | — | $9 | 0.13% |
| TODD J BURKE CORP Filed as: TODD BURKE | 23 W MEADOW RD SETAUKET, NY 11733 | AFLAC | $5 | — | $5 | 0.07% |
| BENITO A ROTONDI II INC Filed as: BENITO A ROTONDI II | 23 PINE RIDGE RD SARATOGA, NY 12866 | AFLAC | $2 | — | $2 | 0.03% |
| BCG ADVISORS | 54 BROAD ST, STE 205 REDBANK, NJ 07001 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $367 | — | $367 | 15.08% |
| BCG ADVISORS | 54 BROAD ST, STE 205 REDBANK, NJ 07001 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $109 | — | $109 | 4.86% |
| BCG ADVISORS | 54 BROAD ST, STE 205 REDBANK, NJ 07001 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $221 | — | $221 | 14.64% |
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 | 493 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 493 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | UNITEDHEALTHCARE INSURANCE COMPANY | 493 | $4.3M |
| Dental | DELTA DENTAL OF NEW JERSEY, INC. | 443 | $135K |
| Life insurance | UNUM LIFE INSURANCE OF AMERICA | 523 | $129K |
| Long-term disability | UNUM LIFE INSURANCE OF AMERICA | 523 | $129K |
| Other(6 contracts, 3 carriers) | UNUM LIFE INSURANCE OF AMERICA | 523 | $158K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 523 | — |
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."
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.