| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BOLLINGER INC3 Filed as: BOLLINGER, INC. | 200 JEFFERSON PARK WHIPPANY, NJ 07981 | PRINCIPAL LIFE INSURANCE COMPANY | $39K | $0 | $39K | 4.77% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD 11TH FLOOR ROLLING MEADOWS, IL 60008 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $25K | $25K | 2.99% |
| BOLLINGER INC3 Filed as: BOLLINGER, INC. | 115 SOUTH JEFFERSON ROAD BUILDING 200 WHIPPANY, IL 07981 | HYATT LEGAL PLANS | $4K | $2K | $6K | 13.93% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE 14TH FLORR ITASCA, IL 60143 | HYATT LEGAL PLANS | $0 | $158 | $158 | 0.40% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 101 LARKSPUR LANDING CIRCLE SUITE 120 LARKSPUR, CA 94939 | HYATT LEGAL PLANS | $0 | $38 | $38 | 0.10% |
| HEATHER RUSNAK3 | 501 FELLOWSHIP ROAD SUITE 201 MOUNT LAUREL, NJ 80543 | HYATT LEGAL PLANS | $0 | $10 | $10 | 0.03% |
| BOLLINGER INC3 Filed as: BOLLINGER, INC. | 115 SOUTH JEFFERSON ROAD BUILDING 200 WHIPPANY, NJ 07984 | HARTFORD LIFE AND ACCIDENT | $702 | $0 | $702 | 7.33% |
| THURMAN ERGENBRIGHT II3 | 6522 SHEA PLACE LITTLETON, CO 80130 | AFLAC | $231 | $0 | $231 | 6.76% |
| KATHERINE ANDERSON3 | 2977 HYDRA DRIVE LOVELAND, CO 80537 | AFLAC | $72 | $0 | $72 | 2.11% |
| MARTIN A. ABRAMSON3 | 13407 WEST ANAPAMA DRIVE SUN CITY WEST, AZ 85375 | AFLAC | $51 | $0 | $51 | 1.49% |
| LISA HALL3 | 2542 EAST SUNDOWN DRIVE COEUR D ALENE, ID 83815 | AFLAC | $33 | $0 | $33 | 0.97% |
| MJ INSURANCE3 Filed as: JOHN P THOMPSON AND VARIOUS AGENTS | 6395 SOUTH KEWAUNEE WAY SUITE 425 AURORA, CO 80016 | AFLAC | $24 | $0 | $24 | 0.70% |
| THERESA NETTO PHILLIPS3 Filed as: THERESA A. CHAMBLISS | 2059 PINE RIVER DRIVE KINGWOOD, TX 77339 | AFLAC | $17 | $0 | $17 | 0.50% |
| KEVIN R MCINERNEY3 Filed as: KEVIN R. MCINERNEY | 580 WHITE PLAINS ROAD SUITE 600 TARRYTOWN, NY 10591 | AFLAC | $12 | $0 | $12 | 0.35% |
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 | 1,065 | 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) | 1,065 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF NEW JERSEY, INC. | 998 | $988K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 1,610 | $821K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 1,610 | $821K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 1,610 | $821K |
| Other(4 contracts, 4 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 1,610 | $874K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,610 | — |
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.