| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RUE INSURANCE3 | PO BOX 3006 TRENTON, NJ 08619 | AETNA LIFE INSURANCE COMPANY | $278K | — | $278K | 4.10% |
| CHAS E RUE & SON INC3 Filed as: CHAS E RUE & SONS INC | 3812 QUAKERBRIDGE ROAD PO BOX 3006 TRENTON, NJ 08619 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $29K | — | $29K | 4.75% |
| CHAS E RUE & SON INC3 | 3812 QUAKERBRIDGE RD TRENTON, NJ 086191004 | METROPOLITAN LIFE INSURANCE COMPANY | $27K | — | $27K | 4.93% |
| CHAS E RUE & SON INC3 | T/A RUE INS 3812 QUAKERBRIDGE RD HAMILTON, NJ 086191004 | VISION SERVICE PLAN | $2K | — | $2K | 3.74% |
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 | 277 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 280 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 758 | $6.8M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,268 | $545K |
| Vision | VISION SERVICE PLAN | 265 | $50K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 269 | $612K |
| Short-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 269 | $612K |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 269 | $612K |
| Other | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 269 | $612K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,268 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.