| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BCG EMPLOYEE BENEFITS3 | 54 BROAD ST STE 205 REDBANK, NJ 07701 | UNITEDHEALTHCARE | $102K | — | $102K | 2.00% |
| 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. | $621 | — | $621 | 0.42% |
| SOLID BENEFIT GUIDANCE Filed as: SOLID BENEFIT GUIDANCE, LLC | 85 CHESTNUT RIDGE ROAD SUITE 214 MONTVALE, NJ 07645 | DELTA DENTAL OF NEW JERSEY, INC. | -$650 | — | -$650 | -0.44% |
| BCG ADVISORS | 54 BROAD ST STE 205 REDBANK, NJ 07001 | UNUM LIFE INSURANCE OF AMERICA | $8K | — | $8K | 6.74% |
| BCG EMPLOYEE BENEFITS3 | 54 BROAD ST STE 205 REDBANK, NJ 07701 | UNITEDHEALTHCARE | $3K | — | $3K | 9.98% |
| BCG ADVISORS | 54 BROAD ST STE 205 REDBANK, NJ 07001 | UNUM LIFE INSURANCE OF AMERICA | $3K | $0 | $3K | 15.00% |
| BCG ADVISORS | 54 BROAD ST STE 205 REDBANK, NJ 07001 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $125 | $0 | $125 | 10.06% |
| BCG ADVISORS | 54 BROAD ST STE 205 REDBANK, NJ 07001 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $29 | — | $29 | 3.05% |
| BCG ADVISORS | 54 BROAD ST STE 205 REDBANK, NJ 07001 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $81 | — | $81 | 10.70% |
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 | 496 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 496 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | UNITEDHEALTHCARE | 496 | $5.1M |
| Dental | DELTA DENTAL OF NEW JERSEY, INC. | 452 | $147K |
| Life insurance | UNUM LIFE INSURANCE OF AMERICA | 471 | $113K |
| Long-term disability | UNUM LIFE INSURANCE OF AMERICA | 471 | $113K |
| Other(5 contracts, 2 carriers) | UNUM LIFE INSURANCE OF AMERICA | 471 | $133K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 496 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.
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.