| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AXA ASSISTANCE, USA5 | 122 SOUTH MICHIGAN AVE, SUITE 1100 CHICAGO, IL 606036115 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $4K | $4K | 0.10% |
| FRITZ MCDONALD CORP3 Filed as: FRITZ MCDONALD COMPANY IN | 5 COLD HILL RD SOUTH SUITE 20 MENDHAM, NJ 07945 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $25K | $25K | $50K | 2.14% |
| FRITZ MCDONALD CORP3 Filed as: FRITZ MCDONALD CORPORATION | 5 COLD HILL RD S STE 20 MENDHAM, NJ 07945 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $37K | $3K | $40K | 15.70% |
| SEPANIAK, STEPHEN, VOGT3 | 5 COLD HILL RD S STE 20 MENDHAM, NJ 07945 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $4K | — | $4K | 1.58% |
| FRITZ MCDONALD CORP3 Filed as: FRITZ MCDONALD CORPORATION | 5 COLD HILL RD STE 20 MENDHAM, NJ 07945 | HARTFORD LIFE AND ACCIDENT | $5K | $12K | $17K | 10.65% |
| 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 | 2.23% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN METRO, INC. | 56 LIVINGSTON AVE ROSELAND, NJ 070681733 | VSP-VISION SERVICE PLAN | $499 | — | $499 | 0.65% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFIT LLC | 1166 AVE OF AMERICAS 22F NEW YORK, NY 10036 | FEDERAL INSURANCE COMPANY | $12K | — | $12K | 20.00% |
| QUALCARE, INC.3 | 30 KNIGHTSBRIDGE ROAD PISCATAWAY, NJ 08854 | MUNICH RE | $30K | $169K | $198K | — |
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 | 11,545 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 606 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 12,151 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF NJ, INC. | 10,278 | $8.6M |
| Vision | VSP-VISION SERVICE PLAN | 341 | $77K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 12,262 | $3.7M |
| Long-term disability(3 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 11,545 | $2.7M |
| Stop-loss / reinsurancereinsurance | MUNICH RE | 11,283 | $0 |
| Other(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 12,262 | $3.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 12,262 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.