| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BOLLINGER INC3 | 200 JEFFERSON PARK WHIPPANY, NJ 07981 | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | $66K | — | $66K | 1.72% |
| BOLLINGER INC3 Filed as: BOLLINGER INC. | 200 JEFFERSON PARK WHIPPANY, NJ 07981 | DELTA DENTAL | $10K | — | $10K | 3.39% |
| BOLLINGER INC3 | 200 JEFFERSON PARK WHIPPANY, NJ 07981 | THE LINCOLN NATIONAL LIFE INSURANCE CO. | $4K | — | $4K | 3.75% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 600063009 | THE LINCOLN NATIONAL LIFE INSURANCE CO. | — | $352 | $352 | 0.37% |
| BOLLINGER INC3 Filed as: BOLLINGER, INC. | 200 JEFFERSON PARK WHIPPANY, NJ 07981 | VISION SERVICE PLAN | $2K | — | $2K | 4.02% |
| BOLLINGER INC3 | 200 JEFFERSON PARK WHIPPANY, NJ 07981 | THE LINCOLN NATIONAL LIFE INSURANCE CO. | $4K | — | $4K | 9.52% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 600063009 | THE LINCOLN NATIONAL LIFE INSURANCE CO. | — | $152 | $152 | 0.34% |
| BOLLINGER INC3 | 200 JEFFERSON PARK WHIPPANY, NJ 07981 | THE LINCOLN NATIONAL LIFE INSURANCE CO. | $3K | — | $3K | 8.42% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 3009 ARLINGTON HEIGHTS, IL 600063009 | THE LINCOLN NATIONAL LIFE INSURANCE CO. | — | $106 | $106 | 0.35% |
| 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 | PO BOX 3009 ARLINGTON HEIGHTS, IL 600063009 | THE LINCOLN NATIONAL LIFE INSURANCE CO. | — | $123 | $123 | 0.50% |
| BOLLINGER INC3 | 200 JEFFERSON PARK WHIPPANY, NJ 07981 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $4K | — | $4K | 45.00% |
| BOLLINGER INC3 | 200 JEFFERSON PARK WHIPPANY, NJ 01760 | ALLSTATE WORKPLACE DIVISION | $747 | — | $747 | 10.00% |
| BOLLINGER INC3 | 200 JEFFERSON PARK WHIPPANY, NJ 07981 | THE LINCOLN NATIONAL LIFE INSURANCE CO. | $449 | — | $449 | 20.02% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW YORK | 200 LIBERTY ST 6TH FL NEW YORK, NY 10281 | THE LINCOLN NATIONAL LIFE INSURANCE CO. | $303 | — | $303 | 13.51% |
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 | 447 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 459 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF MASSACHUSETTS, INC. | 729 | $3.8M |
| Dental | DELTA DENTAL | 726 | $301K |
| Vision | VISION SERVICE PLAN | 327 | $44K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE CO. | 447 | $55K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE CO. | 447 | $44K |
| Other(6 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE CO. | 447 | $169K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 729 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.