| 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 | $50K | — | $50K | 4.58% |
| PREMIER CONSULTING PARTNERS LLC | 1000 WOODBURY ROAD STE 300 WOODBURY, NY 11797 | CIGNA HEALTH AND LIFE | $26K | — | $26K | 4.92% |
| PREMIER CONSULTING PARTNERS LLC | 1000 WOODBURY ROAD STE 300 WOODBURY, NY 11797 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $22K | — | $22K | 7.50% |
| SAVOY ASSOCIATES | 25B HANOVER RD STE 220 FLORHAM PARK, NJ 07932 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $15K | — | $15K | 5.00% |
| PREMIER CONSULTING PARTNERS LLC | 1000 WOODBURY ROAD STE 300 WOODBURY, NY 11797 | VISION SERVICE PLAN | $19K | — | $19K | — |
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 | 1,483 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 15 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 1,498 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF NEW JERSEY | 2,316 | $1.1M |
| Vision | VISION SERVICE PLAN | 1,016 | $0 |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 857 | $300K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 857 | $300K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE | 2,268 | $522K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 857 | $300K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,316 | — |
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.