| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROBERT PIASSEK3 Filed as: ROBERT E. PIASSEK | 822 SOUTH AVENUE WESTFIELD, NJ 07090 | DELTA DENTAL OF NJ, INC. | $16K | $0 | $16K | 6.93% |
| PREMIER WORKSITE SOLUTIONS INC3 Filed as: PREMIER WORKSITE SOLUTIONS, LLC | 700 KINDERKAMACK RD SUITE 205 ORADELL, NJ 07675 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $23K | $30 | $23K | — |
| ROBERT PIASSEK3 Filed as: ROBERT E PIASSEK | 221 PAWNEE RD CRANFORD, NJ 07016 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | — |
| ROBERT PIASSEK3 | 822 SOUTH AVENUE W WESTFIELD, NJ 070901460 | VISION SERVICE PLAN | $1K | $0 | $1K | — |
| PIASSEK BENEFIT ADVISORS LLC3 Filed as: PIASSEK, ROBERT E | 221 PAWNEE RD. CRANFORD, NJ 07016 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $31K | $0 | $31K | — |
| PREMIER WORKSITE SOLUTIONS INC3 Filed as: PREMIER WORKSITE SOLUTIONS, LLC | 221 PAWNEE ROAD ORADELL, NJ 07675 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | $0 | $7K | — |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INSURANCE | 56 LIVINGSTON AVE SUITE 230 ROSELAND, NJ 13854 | BCS | $160K | $0 | $160K | — |
No Schedule C service providers reported on this filing.
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 | 966 | 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) | 966 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BCS | 487 | $0 |
| Dental | DELTA DENTAL OF NJ, INC. | 530 | $225K |
| Vision | VISION SERVICE PLAN | 603 | $0 |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 758 | $0 |
| Short-term disability(2 contracts, 2 carriers) | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 758 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 758 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.