| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ABEL BENEFIT SOLUTIONS, INC.3 | 2 CORPORATE DRIVE CRANBURY, NJ 08512 | OXFORD HEALTH INSURANCE, INC. | $343K | — | $343K | 5.09% |
| ROBERT SCHIAZZA II3 Filed as: ROBERT SCHIAZZA | 20 VILLANOVA DRIVE FREEHOLD, NJ 07728 | OXFORD HEALTH INSURANCE, INC. | $68K | — | $68K | 1.02% |
| ABEL BENEFIT SOLUTIONS, INC.3 | 2 CORPORATE DRIVE CRANBURY, NJ 08512 | OXFORD HEALTH INSURANCE, INC. | $192K | — | $192K | 4.67% |
| ROBERT SCHIAZZA II3 | 20 VILLANOVA DRIVE FREEHOLD, NJ 07728 | OXFORD HEALTH INSURANCE, INC. | $38K | — | $38K | 0.93% |
| ABEL BENEFIT SOLUTIONS, INC.3 Filed as: ABEL BENEFIT SOLUTIONS INC. | 2 CORPORATE DRIVE CRANBURY, NJ 08512 | UNITEDHEALTHCARE INSURANCE COMPANY | $24K | — | $24K | 3.70% |
| SUMMIT FINANCIAL GROUP INC.3 Filed as: SUMMIT FINANCIAL GROUP | 5420 LYNDON B. JOHNSON FREEWAY SUITE 725 DALLAS, TX 752406260 | METROPOLITAN LIFE INSURANCE COMPANY | $25K | $3K | $28K | 16.24% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INS SERVICES INC | 1250 S CAPITAL OF TEXAS HIGHWAY BLDG 2 STE 125 AUSTIN, TX 787466446 | METROPOLITAN LIFE INSURANCE COMPANY | — | $12 | $12 | 0.01% |
| ABEL BENEFIT SOLUTIONS, INC.3 | 2 CORPORATE DRIVE CRANBURY, NJ 08512 | FLAGSHIP HEALTH SYSTEMS | $2K | — | $2K | 2.97% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ABEL BENEFIT SOLUTIONS, INC. NONE | Insurance agents and brokers Service code 22 | 2 CORPORATE DRIVE CRANBURY, NJ 08512 | $558K |
| ROBERT SCHIAZZA II NONE | Insurance agents and brokers Service code 22 | 20 VILLANOVA DRIVE FREEHOLD, NJ 07728 | $107K |
| SUMMIT FINANCIAL GROUP INC. NONE | Insurance agents and brokers Service code 22 | 5420 LYNDON B JOHNSON FREEWAY SUITE 725 DALLAS, TX 75240 | $28K |
| FLAGSHIP HEALTH SYSTEMS EIN 22-2671069 NONE | Contract Administrator Service code 13 | — | $11K |
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 | 2,919 | 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) | 2,919 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | OXFORD HEALTH INSURANCE, INC. | 1,432 | $11.5M |
| Dental | FLAGSHIP HEALTH SYSTEMS | 126 | $79K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 772 | $171K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 772 | $171K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 772 | $171K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 772 | $171K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,432 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.