| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ELI BENEFITS LLC3 | 400 MORRIS AVENUE SUITE 274 DENVILLE, NJ 07834 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | — | $8K | 1.74% |
| ELI BENEFITS LLC3 | 400 MORRIS AVENUE SUITE 274 DENVILLE, NJ 07834 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $18K | — | $18K | 10.00% |
| ELI BENEFITS LLC3 | 400 MORRIS AVENUE SUITE 274 DENVILLE, NJ 07834 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $17K | — | $17K | 10.00% |
| ELI BENEFITS LLC3 | 400 MORRIS AVENUE SUITE 274 DENVILLE, NJ 07834 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $5K | — | $5K | 14.28% |
| ELI BENEFITS LLC3 | 400 MORRIS AVENUE SUITE 274 DENVILLE, NJ 07834 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 10.00% |
| ELI BENEFITS LLC3 | 400 MORRIS AVENUE SUITE 274 DENVILLE, NJ 07834 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 10.00% |
| ELI BENEFITS LLC | 400 MORRIS AVENUE SUITE 274 DENVILLE, NJ 07834 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $283 | — | $283 | 8.33% |
| ERIC THIERINGER | 400 MORRIS AVENUE SUITE 274 DENVILLE, NJ 07834 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $57 | — | $57 | 1.68% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EVERNORTH CARE SOLUTIONS, INC. EIN 86-1465626 ADMINISTER OF EAP | Participant communication; Direct payment from the plan; Contract Administrator; Claims processing Service code 12 | ONE EXPRESS WAY 6312 ST. LOUIS, MO 63121 | $7K |
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 | 242 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 10 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 252 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 783 | $472K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 186 | $37K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 238 | $182K |
| Short-term disability(4 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 238 | $40K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 238 | $167K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 238 | $25K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 783 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.