| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ABEL BENEFIT SOLUTIONS, INC.3 Filed as: ABEL BENEFIT SOLUTIONS INC. | 2 CORPORATE DR CRANBURY, NJ 085123604 | UNITEDHEALTHCARE INSURANCE COMPANY | — | — | $0 | 0.00% |
| ROBERT SCHIAZZA II3 | 20 VILLANOVA DR FREEHOLD, NJ 077288867 | UNITEDHEALTHCARE INSURANCE COMPANY | — | — | $0 | 0.00% |
| MY BENEFIT ADVISOR LLC3 | 1787 SENTRY PKWY W STE 320 BLUE BELL, PA 194222240 | UNITEDHEALTHCARE INSURANCE COMPANY | $41K | — | $41K | 3.81% |
| ABEL BENEFIT SOLUTIONS, INC.3 | 2 CORPORATE DRIVE CRANBURY, NJ 08512 | UNITEDHEALTHCARE INSURANCE COMPANY | $28K | — | $28K | 2.87% |
| COMPASS CONSULTING GROUP INC3 Filed as: COMPASS CONSULTING GROUP LLC | 200 GALLERIA PARKWAY SUITE 1950 AT, GA 30339 | UNITEDHEALTHCARE INSURANCE COMPANY | $10K | — | $10K | 1.04% |
| SUMMIT FINANCIAL GROUP INC.3 Filed as: SUMMIT FINANCIAL GROUP | 5420 LYNDON B. JOHNSON FREEWAY SUITE 725 DALLAS, TX 752406260 | METROPOLITAN LIFE INSURANCE COMPANY | $33K | $10K | $43K | 18.43% |
| ABEL BENEFIT SOLUTIONS, INC.3 | 2 CORPORATE DRIVE CRANBURY, NJ 08512 | FLAGSHIP HEALTH SYSTEMS | $930 | — | $930 | 2.67% |
| COMPASS CONSULTING GROUP INC3 Filed as: COMPASS CONSULTING GROUP LLC | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | FLAGSHIP HEALTH SYSTEMS | $175 | — | $175 | 0.50% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| ABEL BENEFIT SOLUTIONS NONE | Insurance agents and brokers Service code 22 | 2 CORPORATE DRIVE CRANBURY, NJ 08512 | $0 |
| MY BENEFIT ADVISOR LLC NONE | Insurance agents and brokers Service code 22 | 1787 SENTRY PKWY W STE 320 BLUE BELL, PA 194222240 | $0 |
| NFPS INS SERVICES INC NONE | Insurance agents and brokers Service code 22 | 1250 S CAPITAL OF TEXAS HWY BLDG 2 STE 125 AUSTIN, TX 787466446 | $0 |
| ROBERT SCHIAZZA II NONE | Insurance agents and brokers Service code 22 | 20 VILLANOVA DRIVE FREEHOLD, NJ 07728 | $0 |
| SUMMIT FANANCIAL GROUP INC. NONE | Insurance agents and brokers Service code 22 | 5420 LYNDON B JOHNSON FREEWAY SUITE 725 DALLAS, TX 75240 | $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 | 3,969 | 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) | 3,969 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts) | UNITEDHEALTHCARE INSURANCE COMPANY | 2,018 | $17.6M |
| Dental | FLAGSHIP HEALTH SYSTEMS | 77 | $35K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 0 | $235K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 0 | $235K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 0 | $235K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 0 | $235K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,018 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.