| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RUE INSURANCE3 | PO BOX 3006 TRENTON, NJ 08619 | AETNA LIFE INSURANCE COMPANY | $378K | — | $378K | 4.16% |
| 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 | $39K | — | $39K | 4.09% |
| CHAS E RUE & SON INC3 | 3812 QUAKERBRIDGE RD TRENTON, NJ 086191004 | METROPOLITAN LIFE INSURANCE COMPANY | $41K | — | $41K | 5.34% |
| CHAS E RUE & SON INC3 | T/A RUE INS 3812 QUAKERBRIDGE RD HAMILTON, NJ 086191004 | VISION SERVICE PLAN | $2K | — | $2K | 2.84% |
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 | 414 | 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) | 417 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 1,125 | $9.1M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,660 | $768K |
| Vision | VISION SERVICE PLAN | 405 | $87K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 411 | $960K |
| Short-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 411 | $960K |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 411 | $960K |
| Prescription drug | AETNA LIFE INSURANCE COMPANY | 1,125 | $9.1M |
| Other | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 411 | $960K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,660 | — |
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.