| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| 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 | $1K | — | $1K | 0.06% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN METRO, LLC | 56 LIVINGSTON AVE ROSELAND, NJ 07068 | VSP-VISION SERVICE PLAN | $10K | — | $10K | 0.69% |
| FRITZ MCDONALD CORP3 Filed as: FRITZ MCDONALD CORPORATION | 5 COLD HILL RD S STE 20 MENDHAM, NJ 07945 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $26K | — | $26K | 10.20% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN METRO INC | 56 LIVINGSTON AVE ROSELAND, NJ 07068 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $6K | $5K | $11K | 4.34% |
| SEPANIAK, STEPHEN, VOGT3 | 5 COLD HILL RD S STE 20 MENDHAM, NJ 07945 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $4K | — | $4K | 1.54% |
| QUALCARE, INC.3 | 30 KNIGHTSBRIDGE ROAD PISCATAWAY, NJ 08854 | AMERICAN ALTERNATIVE INSURANCE CORPORATION | $31K | — | $31K | 15.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH AND BENEFIT LLC | 1166 AVE OF AMERICAS 22F NEW YORK, NY 10036 | FEDERAL INSURANCE COMPANY | $12K | — | $12K | 20.00% |
| TAYLOR, ROBERT, WAYNE3 | STE N108 887 W MARIETTA ST ATLANTA, GA 30318 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 3.34% |
| FRITZ MCDONALD CORP3 Filed as: FRITZ MCDONALD CORPORATION | 5 COLD HILL RD S STE 20 MENDHAM, NJ 07945 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 3.20% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN METRO INC | 56 LIVINGSTON AVE ROSELAND, NJ 07068 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $154 | $182 | $336 | 0.87% |
| SEPANIAK, STEPHEN, VOGT3 | 5 COLD HILL RD S STE 20 MENDHAM, NJ 07945 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $150 | — | $150 | 2.86% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN METRO INC | 56 LIVINGSTON AVE ROSELAND, NJ 07068 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $22 | — | $22 | 0.42% |
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 | 11,305 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 627 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 11,932 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF NEW JERSEY, INC. | 24,174 | $10.1M |
| Vision | VSP-VISION SERVICE PLAN | 7,745 | $1.4M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 11,065 | $2.5M |
| Long-term disability(4 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 4,085 | $2.9M |
| Stop-loss / reinsurancereinsurance | AMERICAN ALTERNATIVE INSURANCE CORPORATION | 11,482 | $206K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 11,065 | $2.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 24,174 | — |
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.