| 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 | 4.62% |
| BCG ADVISORS | 54 BROAD ST, SUITE 205 REDBANK, NJ 07001 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 6.28% |
| LOUIS J DEGATI | 16059 23RD AVENUE WHITESTONE, NY 11357 | AFLAC | $383 | — | $383 | 4.58% |
| RICHARD PETERSON | 19 IDLE DAY DR CENTERPORT, NY 11721 | AFLAC | $265 | — | $265 | 3.17% |
| JACQUES P DAVID CORPORATION Filed as: JACQUES P DAVID | 5 MONFORT DR HUNTINGTON, NY 11743 | AFLAC | $131 | — | $131 | 1.57% |
| KENNETH C MEIER CORP Filed as: KENNETH C MEIER | 19 MARKWOOD RD FOREST HILLS, NY 11375 | AFLAC | $53 | — | $53 | 0.63% |
| BRIAN WHITE Filed as: BRIAN M WHITE | 6 COWDIN LN CHAPPAQUA, NY 10514 | AFLAC | $10 | — | $10 | 0.12% |
| TODD J BURKE CORP Filed as: TODD J BURKE | 23 W MEADOW RD SETAUKET, NY 11733 | AFLAC | $7 | — | $7 | 0.08% |
| BENITO A ROTONDI II INC Filed as: BENITO A ROTONDI II | 23 PINE RIDGE RD SARATOGA SPRINGS, NY 12866 | AFLAC | $2 | — | $2 | 0.02% |
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 | 467 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 467 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF NEW JERSEY, INC. | 279 | $122K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 47 | $115K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 47 | $115K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 47 | $124K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 279 | — |
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."
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.