| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFITS CONTINUUM INC3 Filed as: BENEFITS CONTINUUM, INC. | 95 WEST MAIN STREET, SUITE 5-291 CHESTER, NJ 07930 | DELTA DENTAL OF NJ, INC. | $47K | — | $47K | 0.64% |
| FRITZ MCDONALD CORP3 Filed as: FRITZ MCDONALD CORPORATION | 5 COLD HILL RD #20 MENDHAM, NJ 07945 | HARTFORD LIFE INSURANCE CO. | $576K | $14K | $590K | 12.79% |
| BENEFITS CONTINUUM INC3 Filed as: BENEFITS CONTINUUM INC. | 175 FOX CHASE ROAD CHESTER, NJ 07930 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $47K | — | $47K | 1.44% |
| AXA ASSISTANCE, USA5 | 122 SOUTH MICHIGAN AVE, SUITE 1100 CHICAGO, IL 606036115 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $4K | $4K | 0.12% |
| FRITZ MCDONALD CORP3 Filed as: FRITZ MCDONALD CORPORATION | 5 COLD HILL RD #20 MENDHAM, NJ 07945 | HARTFORD LIFE AND ACCIDENT | $47K | $5K | $52K | 3.33% |
| QUALCARE, INC.3 | 30 KNIGHTSBRIDGE ROAD PISCATAWAY, NJ 08854 | MUNICH RE | $26K | — | $26K | 15.00% |
| FRITZ MCDONALD CORP3 Filed as: FRITZ MCDONALD CORPORATION | 5 COLD HILL RD S STE 20 MENDHAM, NJ 07945 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $19K | $3K | $21K | 13.14% |
| SEPANIAK, STEPHEN, VOGT3 | 5 COLD HILL RD S STE 20 MENDHAM, NJ 07945 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $7K | — | $7K | 4.63% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: THE L WARNER CO.INC. | 9690 DEERECO RD STE 650 TIMONIUM, MD 210936929 | VSP-VISION SERVICE PLAN | $2K | — | $2K | 2.77% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFIT LLC | 1166 AVE OF AMERICAS 22F NEW YORK, NY 10036 | FEDERAL INSURANCE COMPANY | $8K | — | $8K | 15.00% |
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 | 10,119 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 675 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 10,794 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF NJ, INC. | 7,869 | $7.2M |
| Vision | VSP-VISION SERVICE PLAN | 507 | $86K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 10,822 | $3.2M |
| Short-term disability | HARTFORD LIFE INSURANCE CO. | 12,672 | $4.6M |
| Long-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 3,821 | $1.7M |
| Stop-loss / reinsurancereinsurance | MUNICH RE | 9,971 | $176K |
| Other(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 10,822 | $3.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 12,672 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.