| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN METRO | P.O. BOX 369 ROSELAND, NJ 07068 | HM LIFE INSURANCE COMPANY | $30K | $0 | $30K | 11.00% |
| ROBERT PIASSEK3 | 822 SOUTH AVENUE WESTFIELD, NJ 07090 | HM LIFE INSURANCE COMPANY | $11K | $0 | $11K | 4.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN METRO | P.O. BOX 369 ROSELAND, NJ 07068 | HM LIFE INSURANCE COMPANY | $25K | $0 | $25K | 11.00% |
| ROBERT PIASSEK3 | 822 SOUTH AVENUE WESTFIELD, NJ 07090 | HM LIFE INSURANCE COMPANY | $9K | $0 | $9K | 4.00% |
| PIASSEK BENEFIT ADVISORS LLC3 | 221 PAWNEE ROAD CRANFORD, NJ 07016 | DELTA DENTAL OF NJ INC | — | — | $0 | 0.00% |
| ROBERT PIASSEK3 | 221 PAWNEE ROAD CRANFORD, NJ 07016 | STANDARD INSURANCE COMPANY | $3K | $434 | $4K | 6.52% |
| ROBERT PIASSEK3 | 221 PAWNEE ROAD CRANFORD, NJ 07016 | STANDARD INSURANCE COMPANY | $4K | $372 | $5K | 10.09% |
| ROBERT PIASSEK3 | 822 SOUTH AVENUE WEST WESTFIELD, NJ 070901460 | VISION SERVICE PLAN | $1K | $0 | $1K | 5.89% |
| ROBERT PIASSEK3 | 221 PAWNE ROAD CRANFORD, NJ 07016 | STANDARD INSURANCE COMPANY | $2K | $174 | $2K | 9.18% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BROWN & BROWN HEALTH INS AD MINISTRATIO | Insurance agents and brokers Service code 22 | 26 COLUMBIA TURNPIKE FLORHAM PARK, NJ 07932 | $0 |
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 | 264 | 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) | 264 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF NJ INC | 247 | $116K |
| Vision | VISION SERVICE PLAN | 264 | $22K |
| Life insurance | STANDARD INSURANCE COMPANY | 258 | $21K |
| Short-term disability | STANDARD INSURANCE COMPANY | 257 | $54K |
| Long-term disability | STANDARD INSURANCE COMPANY | 258 | $47K |
| Stop-loss / reinsurancereinsurance(2 contracts) | HM LIFE INSURANCE COMPANY | 134 | $494K |
| Other(2 contracts) | HM LIFE INSURANCE COMPANY | 134 | $494K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 264 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.