| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NPPG EMPLOYEE BENEFITS LLC3 | 494 SYCAMORE AVE SHREWSBURY, NJ 07702 | UNITEDHEALTHCARE INSURANCE COMPANY | $42K | — | $42K | 2.42% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: NORTHEAST PROFESSIONAL PLANNING GRO | 494 SYCAMORE AVE SHREWSBURY, NJ 077024217 | UNITEDHEALTHCARE INSURANCE COMPANY | $41K | — | $41K | 2.33% |
| SAVOY ASSOCIATES3 Filed as: DONALD SAVOY INC NJ | 25B HANOVER RD STE 220 FLORHAM PARK, NJ 079321443 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $17K | $17K | 0.97% |
| NPPG EMPLOYEE BENEFITS LLC3 | 494 SYCAMORE AVE SUITE 100 SHREWSBURY, NJ 07702 | DELTA DENTAL OF NEW JERSEY, INC. | $5K | — | $5K | 4.48% |
| NPPG EMPLOYEE BENEFITS LLC3 Filed as: NPPG EMPLOYEE BENEFITS | 494 SYCAMORE AVE SHREWSBURY, NJ 07702 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $10K | — | $10K | 12.89% |
| DONALD C SAVOY INC3 | 25B HANOVER ROAD FLORHAM PARK, NJ 07932 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | — | $4K | $4K | 4.60% |
| NPPG EMPLOYEE BENEFITS LLC3 | 494 SYCAMORE AVE SHREWSBURY, NJ 07702 | DELTA DENTAL OF CONNECTICUT, INC. | $489 | — | $489 | 4.51% |
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 | 145 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 149 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 302 | $1.8M |
| Dental | DELTA DENTAL OF NEW JERSEY, INC. | 302 | $103K |
| Vision | DELTA DENTAL OF CONNECTICUT, INC. | 282 | $11K |
| Life insurance | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 145 | $76K |
| Long-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 145 | $76K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 302 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.