| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 Filed as: J.H. COHN CHERNOFF DIAMOND LLC | 725 RXR PLAZA UNIONDALE, NY 11556 | DELTA DENTAL OF NEW JERSEY, INC. | $56K | $0 | $56K | 3.81% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 3331 WEST BIG BEAVER ROAD SUITE 200 TROY, WI 48084 | STANDARD INSURANCE COMPANY | $69K | $4K | $73K | 10.56% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSHA AND MCLENNAN AGENCY | 8144 WALNUT HILL LANE, 16TH FLOOR DALLAS, TX 75231 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $17K | $0 | $17K | 13.00% |
| FERRARA FINANCIAL GROUP, LLC3 | UNKNOWN SOMERSET, NJ 08873 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $351 | $0 | $351 | 0.26% |
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 | 4,782 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,782 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF NEW JERSEY, INC. | 5,177 | $1.5M |
| Life insurance | STANDARD INSURANCE COMPANY | 4,782 | $690K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 811 | $133K |
| Long-term disability | STANDARD INSURANCE COMPANY | 4,782 | $690K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,177 | — |
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.