| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN METRO INC DBA STATFEL | 26 COLUMBIA TURNPIKE FLORHAM PARK, NJ 07932 | HORIZON INSURANCE COMPANY | $427K | $0 | $427K | 100.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN METRO INC DBA STATFEL | 26 COLUMBIA TURNPIKE FLORHAM PARK, NJ 07932 | HORIZON HEALTHCARE SERVICES INC. | $0 | $0 | $0 | 0.00% |
| PIASSEK BENEFIT ADVISORS LLC3 | 822 SOUTH AVENUE WESTFIELD, NJ 07090 | DELTA DENTAL OF NJ INC | $5K | $0 | $5K | 3.56% |
| ROBERT PIASSEK3 Filed as: ROBERT E PIASSEK | 21 PAWNEE ROAD CRANFORD, NJ 07016 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $0 | $8K | 11.14% |
| ROBERT PIASSEK3 Filed as: ROBERT E PIASSEK | 221 PAWNEE ROAD CRANFORD, NJ 07016 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 10.64% |
| ROBERT PIASSEK3 | 822 SOUTH AVENUE WEST WESTFIELD, NJ 070901460 | VISION SERVICE PLAN | $1K | $0 | $1K | 3.83% |
| ROBERT PIASSEK3 Filed as: ROBERT E PIASSEK | 221 PAWNEE ROAD CRANFORD, NJ 07016 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 10.99% |
| ROBERT PIASSEK3 Filed as: ROBERT E PIASSEK | 221 PAWNEE ROAD CRANFORD, NJ 07016 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $0 | $1K | 10.33% |
| ROBERT PIASSEK3 Filed as: ROBERT E. PIASSEK | 221 PAWNEE ROAD CRANFORD, NJ 07016 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $0 | $1K | 11.87% |
| ROBERT PIASSEK3 Filed as: ROBERT E PIASSEK | 221 PAWNEE ROAD CRANFORD, NJ 07016 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $124 | $0 | $124 | 12.27% |
| ROBERT PIASSEK3 Filed as: ROBERT E PIASSEK | 221 PAWNEE ROAD CRANFORD, NJ 07016 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $114 | $0 | $114 | 12.28% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN METRO INC DBA STATFEL | 26 COLUMBIA TURNPIKE FLORHAM PARK, NJ 07932 | HORIZON HEALTHCARE SERVICES INC. | $0 | $0 | $0 | — |
| 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 | 302 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 302 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HORIZON HEALTHCARE SERVICES INC. | 301 | $163K |
| Dental | DELTA DENTAL OF NJ INC | 570 | $148K |
| Vision | VISION SERVICE PLAN | 328 | $27K |
| Life insurance(7 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 154 | $153K |
| Short-term disability(6 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 154 | $152K |
| Long-term disability(5 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 154 | $151K |
| Prescription drug | HORIZON HEALTHCARE SERVICES INC. | 301 | $0 |
| Stop-loss / reinsurancereinsurance | HORIZON INSURANCE COMPANY | 301 | $427K |
| Other(8 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 301 | $153K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 570 | — |
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.