No brokers reported on this filing.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| FRINGE BENEFIT SERVICES EIN 84-0620086 NONE | Contract Administrator Service code 13 | — | $122K |
| SEGAL & COMPANY EIN 13-1835864 NONE | Actuarial; Consulting (general) Service code 11 | — | $48K |
| IE SHAFFER NONE | Plan Administrator Service code 14 | 830 BEAR TAVERN ROAD WEST TRENTON, NJ 086281020 | $34K |
| MSPC EIN 22-2951202 NONE | Accounting (including auditing) Service code 10 | — | $33K |
| SUSANIN, WIDMAN & BRENNAN P.C. EIN 23-2265950 NONE | Legal Service code 29 | — | $30K |
| JENNINGS & SIGMOND EIN 23-2025670 NONE | Legal Service code 29 | — | $16K |
| SIERRA INVESTMENT PARTNERS EIN 68-0370668 NONE | Investment management Service code 28 | — | $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 | 613 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 613 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | INDEPENDENCE BLUE CROSS - PERSONAL CHOICE | 1,641 | $8.8M |
| Dental | UNITED CONCORDIA CONMPANIES, INC. | 613 | $0 |
| Vision(2 contracts) | VISION BENEFITS OF AMERICA | 842 | $90K |
| Life insurance | AMALGAMATED LIFE INSURANCE COMPANY | 1,017 | $45K |
| Prescription drug | INDEPENDENCE BLUE CROSS - PRESCRIPTION DRUG | 2,289 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,289 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Filing reports zero broker compensation on a plan over 100 participants. Likely direct-write or unreported — worth a knock.