| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFITS CONSULTING GROUP, SECAUCUS Filed as: BENEFITS CONSULTING GROUP DBA BCG A | 700 PLAZA DRIVE, SUITE 216 SECAUCUS, NJ 07094 | DELTA DENTAL OF NEW JERSEY, INC. | $6K | — | $6K | 4.31% |
| BENEFITS CONSULTING GROUP Filed as: THE BENEFITS CONSULTING GROUP | ONE EVERTRUST PLZ, 11TH FL JERSEY CITY, NJ 07302 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 7.97% |
| LOUIS J DEGATI | 16059 23RD AVENUE WHITESTONE, NY 11357 | AFLAC | $503 | — | $503 | 5.70% |
| RICHARD PETERSON | 19 IDLE DAY DR CENTERPORT, NY 11721 | AFLAC | $280 | — | $280 | 3.17% |
| GALLAGHER BENEFIT SERVICES, INC. Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 3009, SUITE 214 ARLINGTON HEIGHTS, IL 60006 | AFLAC | $190 | — | $190 | 2.15% |
| JACQUES P DAVID CORPORATION Filed as: JACQUES P DAVID | 5 MONFORT DR HUNTINGTON, NY 11743 | AFLAC | $118 | — | $118 | 1.34% |
| LOUIS J DEGATI | 14107 20TH AVENUE WHITESTONE, NY 11357 | AFLAC | $82 | — | $82 | 0.93% |
| KENNETH C MEIER CORP Filed as: KENNETH C MEIER | 19 MARKWOOD RD FOREST HILLS, NY 11375 | AFLAC | $51 | — | $51 | 0.58% |
| ROBERT THOMAS JENSEN Filed as: ROBERT JENSEN | 2 SOUTHDOWN CT HUNTINGTON, NY 11743 | AFLAC | $36 | — | $36 | 0.41% |
| CONROY AND ASSOC BENEFITS INC. Filed as: CONROY AND ASSOC BENEFITS INC | PO BOX 475 HOBOKEN, NJ 07030 | AFLAC | $17 | — | $17 | 0.19% |
| BRIAN WHITE | 6 COWDIN LN CHAPPAQUA, NY 10514 | AFLAC | $10 | — | $10 | 0.11% |
| TODD J BURKE CORP Filed as: TODD BURKE | 23 W MEADOW RD SETAUKET, NY 11733 | AFLAC | $6 | — | $6 | 0.07% |
| BENITO A ROTONDI II INC Filed as: BENITO A ROTONDI II | 23 PINE RIDGE RD SARATOGA SPRINGS, NY 12866 | AFLAC | $4 | — | $4 | 0.05% |
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 | 419 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 419 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF NEW JERSEY, INC. | 280 | $150K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 408 | $86K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 408 | $86K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 408 | $95K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 408 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.