| 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 | $0 | $1.2M | 7.87% |
| NJHA HEALTHCARE BUSINESS SOLUTIONS3 | 760 ALEXANDER RD PO BOX 1 PRINCETON, NJ 085430001 | METROPOLITAN LIFE INSURANCE COMPANY | $647K | $0 | $647K | 9.84% |
| 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 |
|---|---|---|---|
| FAIRVIEW INSURANCE AGENCY ASSOC EIN 22-1933556 BROKER | Consulting (general) Service code 16 | — | $1.0M |
| NJHA HEALTHCARE BUSINESS SOLUTIONS EIN 22-2325161 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $852K |
| CORPORATE SYNERGIES GROUP EIN 20-1622581 BROKER | Consulting (general) Service code 16 | — | $633K |
| MANAGED BENEFIT STRATEGIES EIN 23-3045502 BROKER | Consulting (general) Service code 16 | — | $161K |
| ARTHUR J. GALLAGHER RISK MANAGEMENT EIN 36-2102482 INSURANCE AGENT | Insurance agents and brokers Service code 22 | — | $116K |
| ALLIANT INSURANCE SERVICES, INC EIN 33-0785439 BROKER | Consulting (general) Service code 16 | — | $92K |
| CHARLES W. CAMMACK ASSOC EIN 13-3052851 BROKER | Consulting (general) Service code 16 | — | $9K |
| CONNOR STRONG EIN 21-0718159 BROKER | Consulting (general) Service code 16 | — | $9K |
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 | 61,345 | 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) | 61,345 | 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 | 61,345 | $15.3M |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 61,345 | $15.3M |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 45,858 | $6.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 61,345 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.