| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BOLLINGER INC3 | 115 SOUTH JEFFERSON RD WHIPPANY, NJ 07981 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $47K | — | $47K | 1.55% |
| BOLLINGER INC3 Filed as: BOLLINGER INC. | 115 SOUTH JEFFERSON RD WHIPPANY, NJ 07981 | DELTA DENTAL | $8K | — | $8K | 3.64% |
| BOLLINGER INC3 | 115 SOUTH JEFFERSON RD WHIPPANY, NJ 07981 | THE LINCOLN NATIONAL LIFE INSURANCE CO. | $4K | — | $4K | 5.33% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | TWO PIERCE PL ITASCA, PA 60143 | THE LINCOLN NATIONAL LIFE INSURANCE CO. | — | $3K | $3K | 4.08% |
| BOLLINGER INC3 Filed as: BOLLINGER, INC. | 115 SOUTH JEFFERSON RD WHIPPANY, NJ 07981 | VISION SERVICE PLAN | $1K | — | $1K | 4.41% |
| BOLLINGER INC3 | 115 SOUTH JEFFERSON RD WHIPPANY, NJ 07981 | THE LINCOLN NATIONAL LIFE INSURANCE CO. | $4K | — | $4K | 15.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | TWO PIERCE PL ITASCA, IL 60143 | THE LINCOLN NATIONAL LIFE INSURANCE CO. | — | $903 | $903 | 3.46% |
| BOLLINGER INC3 | 115 SOUTH JEFFERSON RD WHIPPANY, NJ 07981 | THE LINCOLN NATIONAL LIFE INSURANCE CO. | $3K | — | $3K | 12.79% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | TWO PIERCE PL ITASCA, IL 60143 | THE LINCOLN NATIONAL LIFE INSURANCE CO. | — | $1K | $1K | 4.11% |
| BOLLINGER INC3 | 115 SOUTH JEFFERSON RD WHIPPANY, NJ 07981 | THE LINCOLN NATIONAL LIFE INSURANCE CO. | $2K | — | $2K | 10.66% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | TWO PIERCE PL ITASCA, IL 60143 | THE LINCOLN NATIONAL LIFE INSURANCE CO. | — | $723 | $723 | 4.14% |
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 | 346 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 357 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 546 | $3.0M |
| Dental | DELTA DENTAL | 545 | $213K |
| Vision | VISION SERVICE PLAN | 234 | $31K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE CO. | 357 | $44K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE CO. | 357 | $26K |
| Other(3 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE CO. | 357 | $118K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 546 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.