| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GROUP ADVISORY INC3 Filed as: GROUP ADVISORY INC. | 1135 CLIFTON AVENUE CLIFTON, NJ 07013 | UNITED HEALTHCARE INSURANCE COMPANY | $153K | — | $153K | 5.00% |
| GROUP ADVISORY INC3 Filed as: GROUP ADVISORY INC. | 1135 CLIFTON AVE SUITE 201 CLIFTON, NJ 07013 | HARTFORD LIFE AND ACCIDENT | $38K | $15K | $52K | 15.32% |
| GROUP ADVISORY INC3 | 1135 CLIFTON AVENUE, SUITE 201 CLIFTON, NJ 07013 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 2.12% |
| PREFERRED BENEFITS GROUP3 Filed as: PREFERRED BENEFITS GROUP, INC - NJ | 80 ROUTE 4 EAST SUITE 245 PARAMUS, NJ 07652 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO | $2K | — | $2K | 4.51% |
| PREFERRED BENEFITS GROUP3 Filed as: PREFERRED BENEFITS GROUP INC | 80 E STATE RT 4, SUITE 245 PARAMUS, NJ 07652 | COLONIAL LIFE ACCIDENTAL INSURANCE COMPANY | $865 | — | $865 | 3.50% |
| LINDSAY JEAN WALTERS3 | 520 N KINGSBURY ST CHICAGO, IL 60654 | COLONIAL LIFE ACCIDENTAL INSURANCE COMPANY | $542 | — | $542 | 2.19% |
| BRAD BIEL3 | 1050 WALL STREET WEST LYNDHURST, NJ 07071 | COLONIAL LIFE ACCIDENTAL INSURANCE COMPANY | $248 | — | $248 | 1.00% |
| ELITE ADMINISTRATION3 | 313 HARKINS BLUFF DR GREER, SC 29651 | COLONIAL LIFE ACCIDENTAL INSURANCE COMPANY | $248 | — | $248 | 1.00% |
| CDC CONSULTING SERVICES INC3 | 47 WESTERN AVE DEER PARK, NY 11729 | COLONIAL LIFE ACCIDENTAL INSURANCE COMPANY | $238 | — | $238 | 0.96% |
| GEORGE E BIEL3 | 1257 CROSSBILL CT WESTON, FL 33327 | COLONIAL LIFE ACCIDENTAL INSURANCE COMPANY | $121 | — | $121 | 0.49% |
| DAVID A BETMAN3 | 4106 STOCONGA DRIVE BELTSVILLE, MD 20705 | COLONIAL LIFE ACCIDENTAL INSURANCE COMPANY | $83 | — | $83 | 0.34% |
| GROUP ADVISORY INC3 | 1135 CLIFTON AVE, STE 201 CLIFTON, NJ 07013 | HARTFORD LIFE AND ACCIDENT | $593 | — | $593 | 9.99% |
| PREFERRED BENEFITS GROUP3 Filed as: PREFERRED BENEFITS GROUP INC | 80 E STATE RT 4, STE 245 PARAMUS, NJ 07652 | THE PAUL REVERE LIFE INSURANCE COMPANY | $129 | — | $129 | 3.50% |
| ELITE ADMINISTRATION3 | 313 HARKINS BLUFF DR GREER, SC 29651 | THE PAUL REVERE LIFE INSURANCE COMPANY | $88 | — | $88 | 2.39% |
| LINDSAY JEAN WALTERS3 | 520 N KINGSBURY ST CHICAGO, IL 60654 | THE PAUL REVERE LIFE INSURANCE COMPANY | $83 | — | $83 | 2.25% |
| BRAD BIEL3 | 1050 WALL STREET WEST LYNDHURST, NJ 07071 | THE PAUL REVERE LIFE INSURANCE COMPANY | $37 | — | $37 | 1.01% |
| TIMOTHY J REED3 | 21 AZALEA DRIVE LUMBERTON, NJ 08048 | THE PAUL REVERE LIFE INSURANCE COMPANY | $22 | — | $22 | 0.60% |
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 | 341 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 346 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 296 | $3.1M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 305 | $325K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO | 585 | $34K |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 341 | $365K |
| Short-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 341 | $344K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 341 | $341K |
| Other(2 contracts) | HARTFORD LIFE AND ACCIDENT | 341 | $347K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 585 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.