| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BOLLINGER INC3 | 200 JEFFERSON PARK WHIPPANY, NJ 07981 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $46K | — | $46K | 1.61% |
| BOLLINGER INC3 Filed as: BOLLINGER INC. | 200 JEFFERSON PARK WHIPPANY, NJ 07981 | DELTA DENTAL | $7K | — | $7K | 3.39% |
| BOLLINGER INC3 | 200 JEFFERSON PARK WHIPPANY, NJ 07981 | THE LINCOLN NATIONAL LIFE INSURANCE CO. | $3K | — | $3K | 4.57% |
| 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 | 4.49% |
| BOLLINGER INC3 Filed as: BOLLINGER, INC. | 200 JEFFERSON PARK WHIPPANY, NJ 07981 | VISION SERVICE PLAN | $1K | — | $1K | 4.60% |
| BOLLINGER INC3 | 200 JEFFERSON PARK WHIPPANY, NJ 07981 | THE LINCOLN NATIONAL LIFE INSURANCE CO. | $4K | — | $4K | 11.58% |
| 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 | 3.59% |
| BOLLINGER INC3 | 200 JEFFERSON PARK 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. | — | $1K | $1K | 4.51% |
| BOLLINGER INC3 | 200 JEFFERSON PARK WHIPPANY, NJ 07981 | THE LINCOLN NATIONAL LIFE INSURANCE CO. | $2K | — | $2K | 9.65% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | TWO PIERCE PL ITASCA, IL 60143 | THE LINCOLN NATIONAL LIFE INSURANCE CO. | — | $743 | $743 | 3.51% |
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 | 313 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 318 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 514 | $2.8M |
| Dental | DELTA DENTAL | 519 | $197K |
| Vision | VISION SERVICE PLAN | 246 | $31K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE CO. | 318 | $46K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE CO. | 318 | $30K |
| Other(3 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE CO. | 318 | $116K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 519 | — |
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.