| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BOLLINGER INC3 | PO BOX 390 SHORT HILLS, NJ 070780390 | METROPOLITAN LIFE INSURANCE COMPANY | $37K | $7K | $44K | 5.40% |
| BOLLINGER INC3 Filed as: BOLLINGER INC. | 200 JEFFERSON PARK WHIPPANY, NJ 07981 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $37K | $6K | $43K | 9.95% |
| BOLLINGER INC3 Filed as: BOLLINGER INC. | 200 JEFFERSON PARK WHIPPANY, NJ 07981 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $11K | $2K | $12K | 11.44% |
| BOLLINGER INC3 Filed as: BOLLINGER INC. | 200 JEFFERSON PARK WHIPPANY, NJ 07981 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $667 | $667 | 1.22% |
| DANIEL WARD RICHARDSON3 Filed as: DANIEL G ACETI | 6302 FAIRVIEW RD STE 309 CHARLOTTE, NC 282102234 | METROPOLITAN LIFE INSURANCE COMPANY | $14K | — | $14K | 28.11% |
| VANBRIDGE LLC3 | 1185 AVENUE OF THE AMERICAS FL 32 NEW YORK, NY 10036 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | — | $8K | 15.72% |
| BOLLINGER INC3 Filed as: BOLLINGER INC. | 200 JEFFERSON PARK WHIPPANY, NJ 07981 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $243 | $2K | 11.33% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 1166 AVENUE OF THE AMERICAS 22ND FL NEW YORK, NY 10036 | NATIONAL UNION FIRE INS. CO. OF PITTSBURGH, PA | $622 | — | $622 | 15.01% |
| BOLLINGER INC3 Filed as: BOLLINGER INC. | 200 JEFFERSON PARK WHIPPANY, NJ 07981 | CIGNA LIFE INSURANCE CO. OF NEW YORK | — | $96 | $96 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HORIZON HEALTHCARE SERVICES, INC. EIN 22-0999690 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $438K |
| 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 | 627 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 639 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,461 | $820K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 706 | $434K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 706 | $109K |
| Other(5 contracts, 4 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 706 | $126K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,461 | — |
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.