| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BOLLINGER INC3 | 115 S JEFFERSON RD BLDG 200 WHIPPANY, NJ 079811064 | METROPOLITAN LIFE INSURANCE COMPANY | $41K | $10K | $51K | 7.18% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BOLLINGER | 101 JFK PARKWAY P.O. BOX 5000 SHORT HILLS, NJ 07078 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $26K | $4K | $30K | 7.91% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BOLLINGER | 101 JFK PARKWAY P.O. BOX 5000 SHORT HILLS, NJ 07078 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $9K | $1K | $10K | 11.10% |
| DANIEL WARD RICHARDSON3 Filed as: DANIEL G ACETI | 6302 FAIRVIEW RD STE 309 CHARLOTTE, NC 282102234 | METROPOLITAN LIFE INSURANCE COMPANY | $22K | — | $22K | 43.10% |
| VANBRIDGE LLC3 | 1185 AVENUE OF THE AMERICAS FL 36 NEW YORK, NY 10036 | METROPOLITAN LIFE INSURANCE COMPANY | $13K | — | $13K | 25.52% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BOLLINGER | 101 JFK PKWY PO BOX 5000 SHORT HILLS, NJ 07078 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $608 | $608 | 1.55% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BOLLINGER | 101 JFK PARKWAY P O BOX 5000 SHORT HILLS, NJ 07078 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $189 | $2K | 11.31% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS | 1166 AVENUE OF THE AMERICAS NEW YORK, NY 10036 | NATIONAL UNION FIRE INS. CO. OF PITTSBURGH, PA | $693 | — | $693 | 15.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BOLLINGER | 101 JFK PKWY PO BOX 5000 SHORT HILLS, NJ 07078 | CIGNA LIFE INSURANCE CO. OF NEW YORK | — | $6 | $6 | 0.17% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HORIZON HEALTHCARE SERVICES, INC. EIN 22-0999690 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $411K |
| BOLLINGER, INC. INSURANCE AGENTS/BROKERS | Insurance agents and brokers Service code 22 | 101 JFK PARKWAY SHORT HILLS, NJ 07078 | $100K |
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 | 772 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 16 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 788 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,539 | $712K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 750 | $374K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 750 | $93K |
| Other(5 contracts, 4 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 790 | $112K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,539 | — |
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.