| 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 | $58K | — | $58K | 4.99% |
| PREMIER CONSULTING PARTNERS LLC3 | 395 NORTH SERVICE RD SUITE 206 MELVILLE, NY 11747 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $64K | — | $64K | 6.73% |
| SAVOY ASSOCIATES3 | 200 CORNELL DRIVE SUITE 1000 BERKELEY HEIGHTS, NJ 07922 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $27K | $25K | $51K | 5.42% |
| PREMIER CONSULTING PARTNERS LLC3 | 1000 WOODBURY ROAD STE 300 WOODBURY, NY 11797 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $25K | — | $25K | 6.66% |
| SAVOY ASSOCIATES3 | 200 CORNELL DRIVE SUITE 1000 BERKELEY HEIGHTS, NJ 07922 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $10K | $10K | $20K | 5.31% |
| PREMIER CONSULTING PARTNERS LLC3 | 1000 WOODBURY ROAD STE 300 WOODBURY, NY 11797 | VISION SERVICE PLAN | $23K | — | $23K | 10.78% |
| PREMIER CONSULTING PARTNERS LLC3 | 1000 WOODBURY ROAD STE 300 WOODBURY, NY 11797 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | — | $7K | 6.67% |
| SAVOY ASSOCIATES3 | 200 CORNELL DRIVE SUITE 1000 BERKELEY HEIGHTS, NJ 07922 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $3K | $6K | 5.37% |
| SAVOY ASSOCIATES3 | 200 CORNELL DRIVE SUITE 1000 BERKELEY HEIGHTS, NJ 07922 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $729 | $2K | 4.40% |
| SAVOY ASSOCIATES3 | 200 CORNELL DRIVE SUITE 1000 BERKELEY HEIGHTS, NJ 07922 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $586 | $715 | $1K | 5.09% |
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 | 1,513 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 17 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,530 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF NEW JERSEY | 1,278 | $1.2M |
| Vision | VISION SERVICE PLAN | 1,111 | $217K |
| Life insurance(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,513 | $1.1M |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,532 | $40K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 961 | $382K |
| Other(3 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,532 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,532 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.