| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PREMIER CONSULTING PARTNERS LLC | 1000 WOODBURY ROAD STE 300 WOODBURY, NY 11797 | DELTA DENTAL OF NEW JERSEY | $47K | — | $47K | 4.86% |
| MERCER HEALTH AND BENEFITS, LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | DELTA DENTAL OF NEW JERSEY | $5K | — | $5K | 0.57% |
| PREMIER CONSULTING PARTNERS LLC | 1000 WOODBURY ROAD STE 300 WOODBURY, NY 11797 | METROPOLITAN LIFE INSURANCE COMPANY | $40K | — | $40K | 6.27% |
| MERCER HEALTH AND BENEFITS, LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | $38 | $12K | 1.88% |
| MERCER HEALTH AND BENEFITS, LLC | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | CIGNA HEALTH AND LIFE | $4K | $0 | $4K | 0.82% |
| PREMIER CONSULTING PARTNERS LLC | 1000 WOODBURY ROAD STE 300 WOODBURY, NY 11797 | VISION SERVICE PLAN | $20K | — | $20K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA | Non-monetary compensation; Named fiduciary; Participant communication; Float revenue; Direct payment from the plan; Contract Administrator; Other services; Claims processing Service code 12 | — | $0 |
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 | 1,285 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 15 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,300 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF NEW JERSEY | 1,069 | $963K |
| Vision | VISION SERVICE PLAN | 897 | $0 |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 1,229 | $639K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,229 | $639K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE | 2,081 | $495K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 1,229 | $639K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,081 | — |
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.