| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| UNKNOWN3 | UNKNOWN WESTMONT, NJ 02108 | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | $11K | $0 | $11K | 15.05% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | PARK 80 WEST PLAZA 2 SADDLE BROOK, NJ 07663 | AETNA LIFE INSURANCE COMPANY | $4K | $83 | $4K | 5.81% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 250 PEHLE AVENUE, SUITE 400 PARK 80 WEST PLAZA TWO SADDLE BROOK, NJ 07663 | CONTINENTAL AMERICAN INSURANCE COMPANY | $293 | $0 | $293 | 1.93% |
| CHARLES H. FINKELDAY3 | 323 EAST OAKBOURNE AVENUE GALLOWAY, NJ 08205 | CONTINENTAL AMERICAN INSURANCE COMPANY | $142 | $0 | $142 | 0.93% |
| BROOKE PRUSZINSKI3 | 208 OLD MILL DRIVE CAP MAY, NJ 08204 | CONTINENTAL AMERICAN INSURANCE COMPANY | $47 | $0 | $47 | 0.31% |
| ERIN M. HENSH3 | 900 LIBERTY PLACE SICKERVILLE, NJ 08081 | CONTINENTAL AMERICAN INSURANCE COMPANY | $47 | $0 | $47 | 0.31% |
| SHARON L SPARKS-RENAUD3 Filed as: SHARON SPARKS - RENAUD | 75 CARNEY DRIVE CARNEYS POINT, NJ 08069 | CONTINENTAL AMERICAN INSURANCE COMPANY | $26 | $0 | $26 | 0.17% |
| MICHAEL BUTTERFIELD3 | 2021 NEW ROAD, SUITE 12-B LINWOOD, NJ 08234 | CONTINENTAL AMERICAN INSURANCE COMPANY | $25 | $0 | $25 | 0.16% |
| DESARNO BENEFITS LLC3 Filed as: DESARNO BENEFITS AND OTHER AGENTS | 729 RAYMERE AVENUE INTERLAKE NORTH, NJ 07712 | CONTINENTAL AMERICAN INSURANCE COMPANY | -$15 | $0 | -$15 | -0.10% |
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 | 176 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 180 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA LIFE INSURANCE COMPANY | 233 | $74K |
| Life insurance | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | 176 | $74K |
| Short-term disability | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | 176 | $74K |
| Long-term disability | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | 176 | $74K |
| Other(2 contracts, 2 carriers) | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | 176 | $90K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 233 | — |
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.