| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PREMIER CONSULTING PARTNERS LLC3 | 1000 WOODBURY ROAD STE 300 WOODBURY, NY 11797 | DELTA DENTAL OF NEW JERSEY | $5K | — | $5K | 0.45% |
| PREMIER CONSULTING PARTNERS LLC3 Filed as: PREMIER CONSULTING PARTNERS | 395 NORTH SERVICE ROAD SUITE 206 MELVILLE, NY 11747 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $73K | — | $73K | 8.33% |
| SAVOY ASSOCIATES3 | 200 CONNELL DRIVE SUITE 1000 ROUND TABLE STUDIOS BERKELEY HEIGHTS, NJ 07922 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $26K | $26K | 3.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: RISK PLACEMENT SERVICES | 200 CONNELL DRIVE SUITE 1000 ROUND TABLE STUDIOS BERKELEY HEIGHTS, NJ 07922 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $22K | $22K | 2.55% |
| PREMIER CONSULTING PARTNERS LLC3 | 395 NORTH SERVICE ROAD SUITE 206 MELVILLE, NJ 11747 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $33K | $3K | $37K | 9.06% |
| SAVOY ASSOCIATES3 | 200 CONNELL DRIVE SUITE 1000 ROUND TABLE STUDIOS BERKELEY HEIGHTS, NJ 07922 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $12K | $12K | 2.95% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: RISK PLACEMENT SERVICES | 200 CONNELL DRIVE SUITE 1000 ROUND TABLE STUDIOS BERKELEY HEIGHTS, NJ 07922 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $1K | $1K | 0.26% |
| PREMIER CONSULTING PARTNERS LLC3 | 1000 WOODBURY ROAD STE 300 WOODBURY, NY 11797 | VISION SERVICE PLAN | $22K | — | $22K | 10.00% |
| PREMIER CONSULTING PARTNERS LLC3 | 395 NORTH SERVICE ROAD STE 206 MELVILLE, NY 11747 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $9K | — | $9K | 8.40% |
| SAVOY ASSOCIATES3 | SUITE 1000, 200 CORNELL DRIVE ROUND TABLE STUDIOS BERKLEY HEIGHTS, NJ 07922 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $3K | $3K | 3.06% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: RISK PLACEMENT SERVICES | 200 CONNELL DRIVE SUITE 1000 ROUND TABLE STUDIOS BERKELEY HEIGHTS, NJ 07922 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $3K | $3K | 2.54% |
| SAVOY ASSOCIATES3 | 200 CONNELL DRIVE SUITE 1000 ROUND TABLE STUDIOS BERKELEY HEIGHTS, NJ 07922 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $1K | $1K | 3.04% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: RISK PLACEMENT SERVICES | 200 CONNELL DRIVE SUITE 1000 ROUND TABLE STUDIOS BERKELEY HEIGHTS, NJ 07922 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $981 | $981 | 2.60% |
| SAVOY ASSOCIATES3 | 200 CONNELL DRIVE SUITE 1000 ROUND TABLE STUDIOS BERKELEY HEIGHTS, NJ 07922 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $697 | $697 | 3.19% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: RISK PLACEMENT SERVICES | 200 CONNELL DRIVE SUITE 1000 ROUND TABLE STUDIOS BERKELEY HEIGHTS, NJ 07922 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $593 | $593 | 2.72% |
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 | 1,540 | 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) | 1,540 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF NEW JERSEY | 1,267 | $1.2M |
| Vision | VISION SERVICE PLAN | 1,139 | $221K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,540 | $102K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,540 | $38K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,540 | $404K |
| Other(3 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,540 | $1.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,540 | — |
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.