| 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 | $88K | $1.3M | 10.38% |
| NJHA HEALTHCARE BUSINESS SOLUTIONS3 | 760 ALEXANDER RD PO BOX 1 PRINCETON, NJ 085430001 | METROPOLITAN LIFE INSURANCE COMPANY | $179K | $10K | $189K | 15.70% |
| NJHA HEALTHCARE BUSINESS SOLUTIONS3 | 760 ALEXANDER RD P. O. BOX 1 PRINCETON, NJ 085430001 | DELTA DENTAL PLAN OF NJ, INC. | — | — | $0 | — |
| 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 | — | $351K |
| MANAGED BENEFIT STRATEGIES EIN 23-3045502 BROKER | Consulting (general) Service code 16 | — | $158K |
| NELLIGAN ASSOCIATES EIN 26-3294132 BROKER | Consulting (general) Service code 16 | — | $146K |
| ARTHUR J. GALLAGHER RISK MANAGEMENT EIN 36-2102482 INSURANCE AGENT | Insurance agents and brokers Service code 22 | — | $114K |
| GALLAGHER BENEFIT SERVICES EIN 36-4291971 BROKER | Consulting (general) Service code 16 | — | $101K |
| CORPORATE SYNERGIES GROUP LLC EIN 20-1622581 BROKER | Consulting (general) Service code 16 | — | $73K |
| FNA INSURANCE SERVICES INC EIN 46-4101382 CONSULTANT | Consulting (general) Service code 16 | — | $12K |
| CONNOR STTRONG EIN 21-0718159 BROKER | Consulting (general) Service code 16 | — | $8K |
| CHARLES W. CAMMACK ASSOC INC. EIN 13-3052851 BROKER | Consulting (general) Service code 16 | — | $8K |
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 | 0 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL PLAN OF NJ, INC. | 0 | $0 |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 52,713 | $12.3M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 52,713 | $12.3M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 10,555 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 52,713 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.