| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHADLER SOLUTIONS, INC.3 | 100 PASSAIC AVENUE, SUITE 120 FAIRFIELD, NJ 07004 | DELTA DENTAL OF NJ, INC. | $3K | — | $3K | 1.33% |
| ALLIANT INSURANCE SERVICES, INC.3 | 320 WEST 57TH STREET 5TH FLOOR NEW YORK, NY 10019 | DELTA DENTAL OF NJ, INC. | $351 | — | $351 | 0.15% |
| BENEFIT SOURCES & SOLUTIONS3 | 100 PASSAIC AVENUE SUITE 120 FAIRFIELD, NJ 07004 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $8K | — | $8K | 13.66% |
| ALLIANT INSURANCE SERVICES, INC.3 | 320 WEST, 57TH STREET NEW YORK, NY 10019 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $798 | — | $798 | 1.34% |
| BENEFIT SOURCES & SOLUTIONS3 | 100 PASSAIC AVENUE SUITE 120 FAIRFIELD, NJ 07004 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 7.30% |
| ALLIANT INSURANCE SERVICES, INC.3 | 320 WEST, 57TH STREET NEW YORK, NY 10019 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $380 | — | $380 | 0.70% |
| BENEFIT SOURCES & SOLUTIONS3 | 100 PASSAIC AVENUE SUITE 120 FAIRFIELD, NJ 07004 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 7.30% |
| ALLIANT INSURANCE SERVICES, INC.3 | 320 WEST, 57TH STREET NEW YORK, NY 10019 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $357 | — | $357 | 0.69% |
| BENEFIT SOURCES & SOLUTIONS3 | 100 PASSAIC AVENUE SUITE 120 FAIRFIELD, NJ 07004 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 7.31% |
| ALLIANT INSURANCE SERVICES, INC.3 | 320 WEST 57TH STREET NEW YORK, NY 10019 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $173 | — | $173 | 0.69% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 151 FARMINGTON AVENUE HARTFORD, CT 06156 | $201K |
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 | 439 | 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) | 439 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF NJ, INC. | 349 | $227K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 431 | $85K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 431 | $51K |
| Other(3 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 431 | $139K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 431 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.