| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 35 WATERVIEW BOULEVARD PARSIPPANY, NJ 07054 | HORIZON HEALTHCARE SERVICES, INC. | $54K | $0 | $54K | 1.43% |
| CUSTOM BENEFIT PROGRAMS INC3 | 897 12TH STREET HAMMONTON, NJ 08037 | METROPOLITAN LIFE INSURANCE COMPANY | $172K | $7K | $178K | 9.60% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | METROPOLITAN LIFE INSURANCE COMPANY | $113K | $25K | $138K | 7.41% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | INTERNATIONAL HEALTHCARE SERVICES | $57K | $0 | $57K | 4.98% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | UNITEDHEALTHCARE INSURANCE COMPANY | $50K | $0 | $50K | 5.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 35 WATERVIEW BOULEVARD PARSIPPANY, NJ 07054 | HEALTHCARE DENTAL, INC. | $47K | $0 | $47K | 5.25% |
| CUSTOM BENEFITS PROGRAMS3 Filed as: CUSTOM BENEFITS PROGRAM INC. | 897 12TH STREET HAMMONTON, NJ 08037 | TRANSAMERICA LIFE INSURANCE COMPANY | $116K | $0 | $116K | 13.02% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 501 FELLOWSHIP ROAD SUITE 201 MOUNT LAUREL, NJ 08054 | TRANSAMERICA LIFE INSURANCE COMPANY | $31K | $0 | $31K | 3.46% |
| CITISTREET ASSOCIATES, LLC3 | 300 DAVIDSON AVENUE 1ST FLOOR EAST WING SOMERSET, NJ 08875 | TRANSAMERICA LIFE INSURANCE COMPANY | $4K | $0 | $4K | 0.41% |
| CUSTOM BENEFITS PROGRAMS3 Filed as: CUSTOM BENEFITS PROG INC. | 897 12TH STREET SUITE 1 HAMMONTON, NJ 08037 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $274K | $25K | $299K | 60.54% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 4000 MIDLANTIC DRIVE SUITE 300 MOUNT LAUREL, NJ 08054 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $86K | $0 | $86K | 17.50% |
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 | 14,000 | 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) | 14,000 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(3 contracts, 3 carriers) | HORIZON HEALTHCARE SERVICES, INC. | 5,503 | $5.8M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 8,222 | $1.0M |
| Life insurance(3 contracts, 3 carriers) | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 8,201 | $3.0M |
| Short-term disability(2 contracts, 2 carriers) | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 6,857 | $2.1M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 10,898 | $1.9M |
| Other(5 contracts, 5 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 14,000 | $4.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 14,000 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.