| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST, INC | 1 WORLD FINANCIAL CENTER FL 621 NEW YORK, NY 10281 | KAISER FOUNDATION HEALTH PLAN INC | $11K | — | $11K | 3.44% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SVCES, INC | 32110 AGOURA RD WESTLAKE VILLAGE, CA 91361 | KAISER FOUNDATION HEALTH PLAN INC | $10K | — | $10K | 3.21% |
| RSC INSURANCE BROKERAGE INC3 | 2040 MAIN ST STE 450 IRVINE, CA 92614 | KAISER FOUNDATION HEALTH PLAN INC | $4K | — | $4K | 1.37% |
| MERRIKEN FINANCIAL GROUP INC3 | 119 N. CHURCH STREET MOORESTOWN, NJ 08057 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 2.93% |
| MERRIKEN FINANCIAL GROUP INC3 | 119 N. CHURCH STREET MOORESTOWN, NJ 08057 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | — | $5K | 4.50% |
| MERRIKEN FINANCIAL GROUP INC3 | 119 N. CHURCH STREET MOORESTOWN, NJ 08057 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 3.94% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST, INC | 1 WORLD FINANCIAL CENTER FL 621 NEW YORK, NY 10281 | KAISER FOUNDATION HEALTH PLAN INC | $5K | — | $5K | 5.81% |
| TERRIANN PROCIDA3 | 101A FOSTER RD MOORESTOWN, NJ 08057 | KAISER FOUNDATION HEALTH PLAN INC | $2K | — | $2K | 1.76% |
| MERRIKEN FINANCIAL GROUP INC3 | 119 N. CHURCH STREET MORRESTOWN, NJ 08057 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 4.05% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF PENNSYLVANIA, INC. | PO BOX 32090 NEW YORK, NY 10087 | VISION SERVICE PLAN | $2K | — | $2K | 3.29% |
| MERRIKEN FINANCIAL GROUP INC3 | 119 N. CHURCH STREET MORRESTOWN, NJ 08057 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | — | $4K | 6.75% |
| MERRIKEN FINANCIAL GROUP INC3 | 119 N. CHURCH STREET MORRESTOWN, NJ 08057 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | — | $5K | 10.00% |
| MERRIKEN FINANCIAL GROUP INC3 | 119 N. CHURCH STREET MORRESTOWN, NJ 08057 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 5.37% |
| MERRIKEN FINANCIAL GROUP INC3 | 119 N. CHURCH STREET MORRESTOWN, NJ 08057 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 10.00% |
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 | 1,122 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 10 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,143 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | HORIZON HEALTHCARE SERVICES INC | 65 | $6.7M |
| Dental | DELTA DENTAL OF NEW JERSEY, INC. | 1,017 | $331K |
| Vision | VISION SERVICE PLAN | 1,016 | $55K |
| Life insurance(4 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 720 | $269K |
| Short-term disability(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 735 | $160K |
| Long-term disability(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 737 | $168K |
| Prescription drug(3 contracts, 2 carriers) | HORIZON HEALTHCARE SERVICES INC | 65 | $6.7M |
| Other(3 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,122 | $184K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,122 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.