| 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 | $168K | — | $168K | 5.01% |
| GROUP ADVISORY INC3 Filed as: GROUP ADVISORY INC. | 1135 CLIFTON AVE SUITE 201 CLIFTON, NJ 07013 | HARTFORD LIFE AND ACCIDENT | $42K | — | $42K | 9.22% |
| GROUP ADVISORY INC3 | 1135 CLIFTON AVENUE, SUITE 201 CLIFTON, NJ 07013 | DELTA DENTAL OF NEW JERSEY, INC. | $19K | — | $19K | 5.00% |
| GROUP ADVISORY INC3 Filed as: GROUP ADVISORY, INC. | 1135 CLIFTON AVE #201 CLIFTON, NJ 07013 | GENWORTH LIFE INSURANCE COMPANY | $92K | — | $92K | 36.13% |
| PREFERRED BENEFITS GROUP3 Filed as: PREFERRED BENEFITS GROUP INC | 80 E STATE RT 4, SUITE 245 PARAMUS, NJ 07652 | COLONIAL LIFE ACCIDENTAL INSURANCE COMPANY | $932 | — | $932 | 2.90% |
| LINDSAY JEAN WALTERS3 | 632 SOUTH LINCOLN ST. DENVER, CO 80209 | COLONIAL LIFE ACCIDENTAL INSURANCE COMPANY | $630 | — | $630 | 1.96% |
| BRAD BIEL3 | 1050 WALL STREET WEST LYNDHURST, NJ 07071 | COLONIAL LIFE ACCIDENTAL INSURANCE COMPANY | $312 | — | $312 | 0.97% |
| ELITE ADMINISTRATION3 | 313 HARKINS BLUFF DR GREER, SC 29651 | COLONIAL LIFE ACCIDENTAL INSURANCE COMPANY | $299 | — | $299 | 0.93% |
| CDC CONSULTING SERVICES INC3 | 47 WESTERN AVE DEER PARK, NY 11729 | COLONIAL LIFE ACCIDENTAL INSURANCE COMPANY | $253 | — | $253 | 0.79% |
| GEORGE E BIEL3 | 1257 CROSSBILL CT WESTON, FL 33327 | COLONIAL LIFE ACCIDENTAL INSURANCE COMPANY | $145 | — | $145 | 0.45% |
| DAVID A BETMAN3 | 4106 STOCONGA DRIVE BELTSVILLE, MD 20705 | COLONIAL LIFE ACCIDENTAL INSURANCE COMPANY | $90 | — | $90 | 0.28% |
| TIMOTHY J REED3 | 21 AZALEA DRIVE LUMBERTON, NJ 08048 | COLONIAL LIFE ACCIDENTAL INSURANCE COMPANY | $52 | — | $52 | 0.16% |
| GROUP ADVISORY INC3 | 1135 CLIFTON AVE, STE 201 CLIFTON, NJ 07013 | HARTFORD LIFE AND ACCIDENT | $941 | — | $941 | 10.00% |
| 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 | $135 | — | $135 | 3.30% |
| LINDSAY JEAN WALTERS3 | 632 SOUTH LINCOLN ST DENVER, CO 80209 | THE PAUL REVERE LIFE INSURANCE COMPANY | $87 | — | $87 | 2.12% |
| ELITE ADMINISTRATION3 | 313 HARKINS BLUFF DR GREER, SC 29651 | THE PAUL REVERE LIFE INSURANCE COMPANY | $39 | — | $39 | 0.95% |
| BRAD BIEL3 | 1050 WALL STREET WEST LYNDHURST, NJ 07071 | THE PAUL REVERE LIFE INSURANCE COMPANY | $39 | — | $39 | 0.95% |
| TIMOTHY J REED3 | 21 AZALEA DRIVE LUMBERTON, NJ 08048 | THE PAUL REVERE LIFE INSURANCE COMPANY | $21 | — | $21 | 0.51% |
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 | 321 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 329 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 275 | $3.4M |
| Dental | DELTA DENTAL OF NEW JERSEY, INC. | 749 | $380K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO | 560 | $38K |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 400 | $484K |
| Short-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 400 | $456K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 400 | $452K |
| Other(3 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 400 | $716K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 749 | — |
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.