| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NORTHEAST LLC | 445 HAMILTON AVE FL 10 WHITE PLAINS, NY 106011831 | UNITEDHEALTHCARE INSURANCE COMPANY | $27K | — | $27K | 3.13% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF NEW JERSEY LLC | 1317 ROUTE 73 SOUTH SUITE 101 MOUNT LAUREL, NJ 080542202 | UNITEDHEALTHCARE INSURANCE COMPANY | $16K | — | $16K | 1.87% |
| ASSUREDPARTNERS3 Filed as: AP BENEFIT ADVISORS LLC-NJ | 718 RIVER RD FAIR HAVEN, NJ 077043359 | UNITEDHEALTHCARE INSURANCE COMPANY | $14K | — | $14K | 1.66% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NORTHEAST LLC | 445 HAMILTON AVE FL 10 WHITE PLAINS, NY 106011831 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | — | $2K | 5.50% |
| HERBERT L. JAMISON & CO. LLC3 Filed as: HERBERT L JAMISON & COMPANY | 20 COMMERCE DRIVE STE 200 CRANFORD, NJ 07016 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 9.81% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF NEW JERSEY | 1317 ROUTE 73 SOUTH SUITE 101 MOUNT LAUREL, NJ 08054 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $562 | — | $562 | 3.15% |
| HERBERT L. JAMISON & CO. LLC3 | 20 COMMERCE DRIVE FL 2 CRANFORD, NJ 070163612 | VISION SERVICE PLAN | $714 | — | $714 | 5.14% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF NEW JERSEY, LLC | 1317 ROUTE 73 SOUTH SUITE 101 MOUNT LAUREL, NJ 080542202 | VISION SERVICE PLAN | $200 | — | $200 | 1.44% |
| HERBERT L. JAMISON & CO. LLC3 Filed as: HERBERT L JAMISON & COMPANY | 20 COMMERCE DRIVE STE 200 CRANFORD, NJ 07016 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $961 | — | $961 | 8.05% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF NEW JERSEY | 1317 ROUTE 73 SOUTH SUITE 101 MOUNT LAUREL, NJ 08054 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $302 | — | $302 | 2.53% |
| HERBERT L. JAMISON & CO. LLC3 Filed as: HERBERT L JAMISON & COMPANY | 20 COMMERCE DRIVE STE 200 CRANFORD, NJ 07016 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $313 | — | $313 | 21.66% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF NEW JERSEY | 1317 ROUTE 73 SOUTH SUITE 101 MOUNT LAUREL, NJ 08054 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $40 | — | $40 | 2.77% |
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 | 135 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 140 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 78 | $857K |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 81 | $42K |
| Vision | VISION SERVICE PLAN | 66 | $14K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 135 | $12K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 135 | $18K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 135 | $1K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 135 | — |
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."
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.