| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NICHOLAS R. TAFARO3 | 532 ROUTE 70 WEST CHERRY HILL, NJ 08002 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $76K | $26K | $102K | 14.72% |
| JOHNSON KENDALL AND JOHNSON3 | 109 PHEASANT RUN NEWTOWN, PA 18940 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $35K | $0 | $35K | 5.01% |
| PAYCOM PAYROLL LLC5 Filed as: PAYCOM PAYROLL, LLC | 7501 WEST MEMORIAL ROAD OKLAHOMA CITY, OK 73142 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $22K | $22K | 3.17% |
| FMLASOURCE INC5 Filed as: FMLASOURCE, INC. | 455 NORTH CITYFRONT PLAZA DRIVE 13TH FLOOR CHICAGO, IL 60611 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $0 | $9K | $9K | 1.31% |
| LOCKTON COMPANIES, LLC3 | 751 ARBOR WAY, SUITE 250 BLUE BELL, PA 19422 | DELTA DENTAL OF NEW JERSEY, INC. | $42K | $0 | $42K | 9.28% |
| JOHNSON KENDALL AND JOHNSON3 | 109 PHEASANT RUN NEWTOWN, PA 18940 | DELTA DENTAL OF NEW JERSEY, INC. | $3K | $0 | $3K | 0.72% |
| CHERRY HILL BENEFITS, INC.3 | 1415 ROUTE 70 EAST, SUITE 600 CHERRY HILL, NJ 08034 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $0 | $3K | 10.42% |
| JOHNSON KENDALL AND JOHNSON3 | 109 PHEASANT RUN NEWTOWN, PA 18940 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $816 | $0 | $816 | 3.01% |
| NICHOLAS R. TAFARO3 | 1415 MARLTON PIKE EAST, SUITE 600 CHERRY HILL, NJ 08034 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $427 | $0 | $427 | 1.57% |
| CHERRY HILL BENEFITS, INC.3 | 1415 MARLTON PIKE EAST, SUITE 403 CHERRY HILL, NJ 08034 | METLIFE LEGAL PLANS | $1K | $0 | $1K | 4.99% |
| JOHNSON KENDALL AND JOHNSON3 | 109 PHEASANT RUN NEWTOWN, PA 18940 | METLIFE LEGAL PLANS | $844 | $0 | $844 | 3.13% |
| CHERRY HILL BENEFITS, INC.3 | 532 ROUTE 70 WEST CHERRY HILL, NJ 08002 | METLIFE LEGAL PLANS | $520 | $0 | $520 | 1.93% |
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 | 599 | 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) | 599 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF NEW JERSEY, INC. | 1,195 | $449K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY OF NEW YORK | 1,165 | $72K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 411 | $696K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 411 | $696K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 411 | $696K |
| Other(3 contracts, 3 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 411 | $750K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,195 | — |
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.