| 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 | $1.2M | — | $1.2M | 9.81% |
| NJHA HEALTHCARE BUSINESS SOLUTIONS3 | 760 ALEXANDER RD. P. O. BOX 1 PRINCETON, NJ 085430001 | SUN LIFE ASSURANCE COMPANY OF CANADA | $64K | — | $64K | 1.80% |
| FAIRVIEW INSURANCE AGENCY3 Filed as: FAIRVIEW INSURANCE AGENCY ASSOCIATE | 25 FAIRVIEW AVE VERONA, NJ 07044 | SUN LIFE ASSURANCE COMPANY OF CANADA | $41K | — | $41K | 1.16% |
| NJHA HEALTHCARE BUSINESS SOLUTIONS3 | 760 ALEXANDER ROAD. P. O. BOX 1 PRINCETON, NJ 085430001 | SUN LIFE ASSURANCE COMPANY OF CANADA | $76K | — | $76K | 2.54% |
| FAIRVIEW INSURANCE AGENCY3 Filed as: FAIRVIEW INSURANCE AGENCY ASSOCIATE | 25 FAIRVIEW AVE VERONA, NJ 07044 | SUN LIFE ASSURANCE COMPANY OF CANADA | $41K | — | $41K | 1.37% |
| NJHA HEALTHCARE BUSINESS SOLUTIONS3 | 760 ALEXANDER RD PO BOX 1 PRINCETON, NJ 085430001 | METROPOLITAN LIFE INSURANCE COMPANY | $245K | — | $245K | 16.40% |
| NJHA HEALTHCARE BUSINESS SOLUTIONS3 | 760 ALEXANDER RD P. O. BOX 1 PRINCETON, NJ 085430001 | DELTA DENTAL PLAN OF NJ, INC. | $1K | — | $1K | 4.81% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| NJHA HEALTHCARE BUSINESS SOLUTIONS EIN 22-2325161 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $1.8M |
| FAIRVIEW INSURANCE AGENCY ASSOC EIN 22-1933556 BROKER | Consulting (general) Service code 16 | — | $552K |
| MANAGED BENEFIT STRATEGIES EIN 23-3045502 BROKER | Consulting (general) Service code 16 | — | $250K |
| GALLAGHER BENEFIT SERVICES EIN 36-4291971 BROKER | Consulting (general) Service code 16 | — | $236K |
| 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 STTRONG EIN 21-0718159 BROKER | Consulting (general) Service code 16 | — | $24K |
| CHARLES W. CAMMACK ASSOC INC. EIN 13-3052851 BROKER | Consulting (general) Service code 16 | — | $7K |
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 | 88,707 | 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) | 88,707 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL PLAN OF NJ, INC. | 49 | $26K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 88,650 | $16.1M |
| Short-term disability(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 88,650 | $16.1M |
| Long-term disability(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 17,641 | $4.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 88,650 | — |
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.