| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROBERT PIASSEK3 | 1199 ROUTE 22 EAST MOUNTAINSIDE, NJ 07092 | BLUE CROSS OF NORTHEASTERN PENNSYLVANIA | — | — | $0 | 0.00% |
| PIASSEK BENEFIT ADVISORS LLC3 | 221 PAWNEE ROAD CRANFORD, NJ 07016 | DELTA DENTAL OF NJ INC | — | — | $0 | 0.00% |
| ROBERT PIASSEK3 Filed as: ROBERT E PIASSEK | 221 PAWNEE RD CRANFORD, NJ 07016 | UNUM LIFE INS CO OF AMERICA | $9K | — | $9K | 8.51% |
| ROBERT PIASSEK3 Filed as: ROBERT E.PIASSEK | 221 PAWNEE ROAD CRANFORD, NJ 07016 | UNUM LIFE INSURANCE COMPANY | $5K | — | $5K | 14.73% |
| ROBERT PIASSEK3 Filed as: ROBERT E PIASSEK | 221 PAWNEE RD CRANFORD, NJ 07016 | UNUM LIFE INS CO OF AMERICA | $5K | — | $5K | 15.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN | 30A VREELAND ROAD P.O. BOX 678 FLORHAM PARK, NJ 079320678 | HORIZON HEALTHCARE SERVICES INC. | — | $125K | $125K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BROWN & BROWN HEALTH INS AD MINISTRATIO | Insurance agents and brokers Service code 22 | 26 COLUMBIA TURNPIKE FLORHAM PARK, NJ 07932 | $125K |
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 | 407 | 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) | 407 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | BLUE CROSS OF NORTHEASTERN PENNSYLVANIA | 407 | $972K |
| Dental | DELTA DENTAL OF NJ INC | 239 | $123K |
| Life insurance(2 contracts) | UNUM LIFE INS CO OF AMERICA | 238 | $137K |
| Short-term disability | UNUM LIFE INS CO OF AMERICA | 238 | $106K |
| Long-term disability | UNUM LIFE INS CO OF AMERICA | 238 | $106K |
| Prescription drug | HORIZON HEALTHCARE SERVICES INC. | 407 | $0 |
| Other | UNUM LIFE INSURANCE COMPANY | 96 | $34K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 407 | — |
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.