| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE SEGAL COMPANY3 Filed as: THE SEGAL CO. | — | GARDEN STATE LIFE INSURANCE COMPANY | $21K | — | $21K | 5.23% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: BOLTON PARTNERS, INC. | — | GARDEN STATE LIFE INSURANCE COMPANY | $7K | — | $7K | 1.77% |
| THE SEGAL COMPANY3 Filed as: THE SEGAL CO. EASTERN STATES INC. | 33 W. 34TH ST NEW YORK, NY 10001 | SYMETRA LIFE INSURANCE COMPANY | $10K | $0 | $10K | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HORIZON HEALTHCARE SERVICES, INC. EIN 22-0999690 NONE | Claims processing Service code 12 | — | $675K |
| BASYS, INC. EIN 52-1796473 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $289K |
| WILLIAM KOLFENBACH EIN 22-6041517 EMPLOYEE | Plan Administrator Service code 14 | — | $172K |
| CLEARY, JOSEM & TRIGIANI EIN 23-2657967 NONE | Legal Service code 29 | — | $130K |
| MICHAEL ROSENSTOCK EIN 22-6041517 EMPLOYEE | Employee (plan) Service code 30 | — | $100K |
| THE SEGAL COMPANY, INC. EIN 13-1835864 NONE | Actuarial Service code 11 | — | $93K |
| ANDREW ROOS EIN 22-6041517 EMPLOYEE | Employee (plan) Service code 30 | — | $88K |
| BEATRIZ VENTURA EIN 22-6041517 EMPLOYEE | Employee (plan) Service code 30 | — | $87K |
| ZULMA SANCLEMENTE-CONCHA EIN 22-6041517 EMPLOYEE | Employee (plan) Service code 30 | — | $79K |
| REIZA LOPEZ EIN 22-6041517 EMPLOYEE | Employee (plan) Service code 30 | — | $72K |
| ROBERT NEROD EIN 22-6041517 EMPLOYEE | Employee (plan) Service code 30 | — | $66K |
| JENNIFER HANIUK EIN 22-6041517 EMPLOYEE | Employee (plan) Service code 30 | — | $59K |
| BENECARD NONE | Claims processing Service code 12 | 3131 PRINCETON AVENUE LAWRENCEVILLE, NJ 08648 | $55K |
| DELTA DENTAL OF NJ, INC. EIN 22-1896118 NONE | Claims processing Service code 12 | — | $53K |
| VICKI KAROLIS EIN 22-6041517 EMPLOYEE | Employee (plan) Service code 30 | — | $48K |
| TANIA GUERRERO EIN 22-6041517 EMPLOYEE | Employee (plan) Service code 30 | — | $47K |
| WEAVER C. BARKSDALE & ASSOCIATES NONE | Investment management Service code 28 | 1 BURTON HILLS BLVD. SUITE 100 NASHVILLE, TN 37215 | $44K |
| OLMEC EIN 22-3461295 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $44K |
| FISCHER DORWART, P.C. EIN 23-2247478 NONE | Accounting (including auditing) Service code 10 | — | $42K |
| ERICA LAFORTE EIN 22-6041517 EMPLOYEE | Employee (plan) Service code 30 | — | $41K |
| SCHAFER CULLEN CAPITAL MANAGEMENT NONE | Investment management Service code 28 | 645 FIFTH AVENUE ROOM 1201 NEW YORK, NY 10022 | $37K |
| MORGAN STANLEY NONE | Investment management Service code 28 | 1585 BROADWAY STREET NEW YORK, NY 10036 | $30K |
| BAHL & GAYNOR NONE | Investment management Service code 28 | 255 E. 5TH STREET SUITE 2700 CINCINNATI, OH 45202 | $29K |
| JOSEPH R. PAGANO, PA EIN 22-2218660 NONE | Legal Service code 29 | — | $23K |
| BOLTON PARTNERS NONE | Actuarial Service code 11 | 100 LIGHT STREET 9TH FLOOR BALTIMORE, MD 21202 | $19K |
| J.J. PIERSON, P.C. NONE | Legal Service code 29 | 51 JOHN F. KENNEDY PARKWAY SHORT HILLS, NJ 07078 | $13K |
| SEGAL SELECT INSURANCE SERVCES | Insurance brokerage commissions and fees Service code 53 | — | $3K |
| SEGAL SELECT INSURANCE SERVICES EIN 46-0619194 NONE | Insurance agents and brokers Service code 22 | — | $0 |
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 | 1,261 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 44 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,305 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF NJ, INC. | 0 | $0 |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 1,227 | $97K |
| Stop-loss / reinsurancereinsurance | GARDEN STATE LIFE INSURANCE COMPANY | 1,305 | $398K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,305 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.