| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NJHA HEALTHCARE BUSINESS SOLUTIONS3 | 760 ALEXANDER RD PO BOX 1 PRINCETON, NJ 085430001 | METROPOLITAN LIFE INSURANCE COMPANY | $643K | — | $643K | 8.24% |
| NJHA HEALTHCARE BUSINESS SOLUTIONS3 | 760 ALEXANDER RD. P. O. BOX 1 PRINCETON, NJ 085430001 | SUN LIFE ASSURANCE COMPANY OF CANADA | $76K | — | $76K | 2.34% |
| FAIRVIEW INSURANCE AGENCY3 Filed as: FAIRVIEW INSURANCE AGENCY ASSOCIATE | 25 FAIRVIEW AVE VERONA, NJ 07044 | SUN LIFE ASSURANCE COMPANY OF CANADA | $20K | — | $20K | 0.61% |
| NJHA HEALTHCARE BUSINESS SOLUTIONS3 | 760 ALEXANDER ROAD. P. O. BOX 1 PRINCETON, NJ 085430001 | SUN LIFE ASSURANCE COMPANY OF CANADA | $87K | — | $87K | 3.53% |
| FAIRVIEW INSURANCE AGENCY3 Filed as: FAIRVIEW INSURANCE AGENCY ASSOCIATE | 25 FAIRVIEW AVE VERONA, NJ 07044 | SUN LIFE ASSURANCE COMPANY OF CANADA | $20K | — | $20K | 0.81% |
| NJHA HEALTHCARE BUSINESS SOLUTIONS3 | 760 ALEXANDER RD PO BOX 1 PRINCETON, NJ 085430001 | METROPOLITAN LIFE INSURANCE COMPANY | $132K | — | $132K | 9.11% |
| NJHA HEALTHCARE BUSINESS SOLUTIONS3 | 760 ALEXANDER RD P. O. BOX 1 PRINCETON, NJ 085430001 | DELTA DENTAL PLAN OF NJ, INC. | $2K | — | $2K | 7.94% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| NJHA HEALTHCARE BUSINESS SOLUTIONS EIN 22-2325161 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $1.3M |
| FAIRVIEW INSURANCE AGENCY ASSOC EIN 22-1933556 BROKER | Consulting (general) Service code 16 | — | $515K |
| GALLAGHER BENEFIT SERVICES EIN 36-4291971 BROKER | Consulting (general) Service code 16 | — | $183K |
| MANAGED BENEFIT STRATEGIES EIN 23-3045502 BROKER | Consulting (general) Service code 16 | — | $141K |
| CBIZ BENEFITS & INSURANCE SERVICES EIN 31-1582098 BROKER | Consulting (general) Service code 16 | — | $67K |
| CONNOR STRONG EIN 21-0718159 BROKER | Consulting (general) Service code 16 | — | $22K |
| BOLLINGER INC. EIN 22-0781130 INSURANCE AGENT | Insurance agents and brokers Service code 22 | — | $22K |
| 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 | 68,293 | 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) | 68,293 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL PLAN OF NJ, INC. | 23 | $26K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 54,855 | $11.1M |
| Short-term disability(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 54,855 | $11.1M |
| Long-term disability(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 17,303 | $3.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 54,855 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.