| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BRENDAN WALL3 | 2 COUNTRY VIEW RD HOLMDEL, NJ 07733 | OXFORD HEALTH INSURANCE, INC | $48K | — | $48K | 5.59% |
| EMERSON REID LLC3 | 669 RIVER DRIVE CENTER II - STE 305 ELMWOOD PARK, NJ 07407 | OXFORD HEALTH INSURANCE, INC | — | $17K | $17K | 1.97% |
| BRENDAN WALL3 | 22 S HOLMDEL RD STE 4 HOLMDEL, NJ 077332614 | UNITEDHEALTHCARE INSURANCE COMPANY | $6K | — | $6K | 11.92% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE NEW JERSEY | 354 EISENHOWER PKWY SUITE 2850 LIVINGSTON, NJ 070391022 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | — | $3K | 5.96% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES R NELLIGAN & ASSOC LLC | 1800 ROUTE 34, BUILDING 4 SUITE 404 WALL, NJ 07719 | HARTFORD LIFE AND ACCIDENT | $1K | $537 | $2K | 16.83% |
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 | 160 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 160 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | OXFORD HEALTH INSURANCE, INC | 137 | $852K |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 160 | $47K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 160 | $47K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 166 | $11K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 166 | $11K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 166 | $11K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 166 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.