| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TODD WERLING3 | 999 RIVERVIEW DR SUITE 201 TOTOWA, NJ 07512 | STANDARD INSURANCE COMPANY | $5K | — | $5K | 7.94% |
| DONALD C SAVOY INC3 Filed as: DONALD C SAVOY INC. | 25 B HANOVER RD SUITE 220 FLORHAM PARK, NJ 07512 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 5.00% |
| HENRY O BAKER INC3 | 7 S WARREN ST DOVER, NJ 07801 | DELTA DENTAL OF NEW JERSEY INC | $2K | — | $2K | 4.40% |
| TODD WERLING3 Filed as: TODD WERLINE | 999 RIVERVIEW DR SUITE 201 TOTOWA, NJ 07512 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 6.70% |
| DONALD C SAVOY INC3 | 25 B HANOVER RD SUITE 220 FLORHAM PARK, NJ 07932 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 5.00% |
| TODD WERLING3 | 999 RIVERVIEW DR SUITE 201 TOTOWA, NJ 07513 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 8.38% |
| DONALD C SAVOY INC3 | 25 B HANOVER RD SUITE 220 FLORHAM PARK, NJ 07932 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 5.00% |
| HENRY O BAKER INSURANCE GROUP3 | 7 SOUTH WARREN ST DOVER, NJ 07801 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $1K | — | $1K | 8.29% |
| HENRY O BAKER INC3 | 7 SOUTH WARREN STREER DOVER, NJ 07801 | FLAGSHIP HEALTH SYSTEMS | $385 | — | $385 | 2.74% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| INSURANCE ADMINISTRATOR OF AMERICA EIN 23-2696281 CONTRACT ADMINISTRATOR | Contract Administrator; Claims processing; Insurance agents and brokers Service code 12 | 1934 OLNEY AVNEUE SUITE 200 CHERRY HILL, NJ 08003 | $147K |
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 | 190 | 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) | 190 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF NEW JERSEY INC | 228 | $55K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 191 | $16K |
| Life insurance | STANDARD INSURANCE COMPANY | 239 | $21K |
| Short-term disability | STANDARD INSURANCE COMPANY | 238 | $37K |
| Long-term disability | STANDARD INSURANCE COMPANY | 239 | $58K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 239 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.