| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NPPG EMPLOYEE BENEFITS LLC3 Filed as: NPPG EMPLOYEE BENEFITS, LLC | 121 MONMOUTH STREET RED BANK, NJ 07701 | AETNA LIFE INSURANCE COMPANY | $1K | $0 | $1K | 0.06% |
| DONALD C SAVOY INC3 Filed as: DONALD C. SAVOY, INC. | 25 HANOVER ROAD, SUITE B SUITE 220 FLORHAM PARK, NJ 07932 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $12 | $5K | 3.26% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: NORTHEAST PROFESSIONAL PLANNING GRP | 494 SYCAMORE AVENUE, SUITE 100 SHREWSBURY, NJ 07702 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $17 | $5K | 3.21% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANE SERVICES LLC | PO BOX 61007 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | $64 | $84 | $148 | 0.10% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: NORTHEAST PROFESSIONAL PLANNING GRP | 121 MONMOUTH STREET, SUITE A RED BANK, NJ 07701 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 11.40% |
| USI INSURANCE SERVICES LLC3 | 1215 MANOR DRIVE MECHANICSBURG, PA 17055 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $99 | $99 | 0.65% |
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 | 144 | 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) | 144 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 282 | $2.3M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 339 | $149K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 339 | $149K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 339 | $149K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 22 | $15K |
| Prescription drug | AETNA LIFE INSURANCE COMPANY | 282 | $2.3M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 339 | $149K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 339 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.