| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NJHA HEALTHCARE BUSINESS SOLUTIONS3 | 760 ALEXANDER ROAD. P. O. BOX 1 PRINCETON, NJ 085430001 | SUN LIFE ASSURANCE COMPANY OF CANADA | $166K | — | $166K | 4.38% |
| NJHA HEALTHCARE BUSINESS SOLUTIONS3 | 760 ALEXANDER RD. P. O. BOX 1 PRINCETON, NJ 085430001 | SUN LIFE ASSURANCE COMPANY OF CANADA | $56K | — | $56K | 1.93% |
| NJHA HEALTHCARE BUSINESS SOLUTIONS3 | 760 ALEXANDER RD P. O. BOX 1 PRINCETON, NJ 085430001 | DELTA DENTAL PLAN OF NJ, INC. | $148 | — | $148 | 0.42% |
| NJHA HEALTHCARE BUSINESS SOLUTIONS3 | 760 ALEXANDER RD. P. O. BOX 1 PRINCETON, NJ 085430001 | SUN LIFE ASSURANCE COMPANY OF CANADA | $3K | — | $3K | 14.64% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| NJHA HEALTHCARE BUSINESS SOLUTIONS EIN 22-2325161 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $1.1M |
| FAIRVIEW INSURANCE AGENCY ASSOC EIN 22-1933556 BROKER | Consulting (general) Service code 16 | — | $525K |
| GALLAGHER BENEFIT SERVICES EIN 36-4291971 BROKER | Consulting (general) Service code 16 | — | $128K |
| MANAGED BENEFIT STRATEGIES EIN 23-3045502 BROKER | Consulting (general) Service code 16 | — | $85K |
| CBIZ BENEFITS & INSURANCE SERVICES EIN 31-1582098 BROKER | Consulting (general) Service code 16 | — | $55K |
| BOLLINGER INC. EIN 22-0781130 INSURANCE AGENT | Insurance agents and brokers Service code 22 | — | $26K |
| CONNOR STRONG EIN 21-0718159 BROKER | Consulting (general) Service code 16 | — | $23K |
| CHARLES W. CAMMACK ASSOC INC. EIN 13-3052851 BROKER | Consulting (general) Service code 16 | — | $6K |
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 | 55,983 | 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) | 55,983 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL PLAN OF NJ, INC. | 24 | $35K |
| Life insurance(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 38,681 | $9.7M |
| Short-term disability(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 38,681 | $9.7M |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 20,677 | $3.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 38,681 | — |
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.