| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BOLLINGER INC3 | 200 JEFFERSON PARK WHIPPANY, NJ 07981 | KAISER FOUNDATION HEALTH PLAN OF THE MID-ATLANTIC | $23K | — | $23K | 6.49% |
| BOLLINGER INC3 | 200 JEFFERSON PARK WHIPPANY, NJ 079811054 | METLIFE | — | $5K | $5K | 3.19% |
| BOLLINGER INC3 | 200 JEFFERSON PARK WHIPPANY, NJ 079811054 | METLIFE | $4K | — | $4K | 2.62% |
| RGA WEALTH MANAGEMENT GROUP INC3 Filed as: RGA WEALTH MANAGEMENT GRROUP INC | 26 COURT STREET SUITE 1616 BROOKLYN, NY 11242 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 6.61% |
| RGA WEALTH MANAGEMENT GROUP INC3 Filed as: RGA WEALTH MANAGEMENT GRROUP INC | 26 COURT STREET SUITE 1616 BROOKLYN, NY 11242 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $2K | $2K | 1.67% |
| BOLLINGER INC3 Filed as: BOLLINGER INC. | 220 JEFFERSON PARK WHIPPANY, NJ 07981 | AETNA LIFE INSURANCE COMPANY | $2K | — | $2K | 11.84% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 1166 AVENUE OF THE AMERICAS NEW YORK, NY 10036 | THE HARFORD | $2K | — | $2K | 25.00% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HUMAN RESOURCES CONSULTING I | 4565 PAYSPHERE CIRCLE CHICAGO, IL 60674 | THE HARFORD | — | $121 | $121 | 1.49% |
| BOLLINGER INC3 Filed as: BOLLINGER, INC. | 200 JEFFERSON PARK WHIPPANY, NJ 07981 | HYATT LEGAL | $781 | — | $781 | 9.75% |
| BOLLINGER INC3 Filed as: BOLLINGER | 200 JEFFERSON PARK WHIPPANY, NJ 07981 | HYATT LEGAL | — | $199 | $199 | 2.48% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| OPTUMRX EIN 33-0441200 PHARMACY BENEFITS | Claims processing; Other fees; Direct payment from the plan; Float revenue Service code 12 | — | $352K |
| AETNA LIFE INSURANCE CO EIN 06-6033492 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $183K |
| AETNA BEHAVIORAL HEALTH LLC EIN 06-6033492 PLAN ADMINISTRATOR | Plan Administrator Service code 14 | — | $4K |
| PRUDENTIAL INSURANCE COMPANY OF AME EIN 22-1211670 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $0 |
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 | 231 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 15 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 246 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METLIFE | 359 | $157K |
| Vision | AETNA LIFE INSURANCE COMPANY | 280 | $18K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 306 | $107K |
| Other(3 contracts, 3 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 306 | $123K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 359 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.