| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PLATINUM PLANNING INC3 Filed as: PLATINUM PLANNING, INC. | T/A PAUL D. WALSH BENEFITS 718 RIVER ROAD FAIR HAVEN, NJ 07704 | DELTA DENTAL OF NJ, INC. | $5K | — | $5K | 2.70% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS WB | 718 RIVER ROAD FAIR HAVEN, NJ 07704 | DELTA DENTAL OF NJ, INC. | $968 | — | $968 | 0.51% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES R NELLIGAN & ASSOC LLC | 11 MARISSA DRIVE NEW EGYPT, NJ 08533 | HARTFORD LIFE AND ACCIDENT | $5K | $5K | $9K | 9.72% |
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 | 291 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 291 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF NJ, INC. | 215 | $191K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 142 | $96K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 215 | — |
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.