| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GROUP ADVISORY INC3 Filed as: GROUP ADVISORY INC. | 1135 CLIFTON AVENUE STE 201 CLIFTON, NJ 07013 | UNITED HEALTHCARE INSURANCE COMPANY | $170K | — | $170K | 5.01% |
| GROUP ADVISORY INC3 Filed as: GROUP ADVISORY INC. | 1135 CLIFTON AVE SUITE 201 CLIFTON, NJ 07013 | HARTFORD LIFE AND ACCIDENT | $46K | $2K | $48K | 11.43% |
| GROUP ADVISORY INC3 | 1135 CLIFTON AVENUE, SUITE 201 CLIFTON, NJ 07013 | DELTA DENTAL OF NEW JERSEY, INC. | $21K | — | $21K | 5.00% |
| GROUP ADVISORY INC3 Filed as: GROUP ADVISORY, INC. | 1135 CLIFTON AVE #201 CLIFTON, NJ 07013 | GENWORTH LIFE INSURANCE COMPANY | $76K | — | $76K | 25.36% |
| PREFERRED BENEFITS GROUP3 Filed as: PREFERRED BENEFITS GROUP INC | 80 E STATE RT 4, SUITE 245 PARAMUS, NJ 07652 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $865 | — | $865 | 3.17% |
| BRAD BIEL3 | 1050 WALL STREET WEST LYNDHURST, NJ 07071 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $284 | — | $284 | 1.04% |
| ELITE ADMINISTRATION3 | 313 HARKINS BLUFF DR GREER, SC 29651 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $274 | — | $274 | 1.00% |
| CDC CONSULTING SERVICES INC3 | 47 WESTERN AVE DEER PARK, NY 11729 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $251 | — | $251 | 0.92% |
| GEORGE E BIEL3 | 1257 CROSSBILL CT WESTON, FL 33327 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $106 | — | $106 | 0.39% |
| DAVID A BETMAN3 | 4106 STOCONGA DRIVE BELTSVILLE, MD 20705 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $90 | — | $90 | 0.33% |
| LINDSAY JEAN WALTERS3 | 632 SOUTH LINCOLN ST DENVER, CO 80209 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $48 | — | $48 | 0.18% |
| TIMOTHY J REED3 | 21 AZALEA DRIVE LUMBERTON, NJ 08048 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $42 | — | $42 | 0.15% |
| GROUP ADVISORY INC3 | 1135 CLIFTON AVE, STE 201 CLIFTON, NJ 07013 | HARTFORD LIFE AND ACCIDENT | $903 | $38 | $941 | 10.42% |
| 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 | $98 | — | $98 | 3.51% |
| ELITE ADMINISTRATION3 | 313 HARKINS BLUFF DR GREER, SC 29651 | THE PAUL REVERE LIFE INSURANCE COMPANY | $28 | — | $28 | 1.00% |
| BRAD BIEL3 | 1050 WALL STREET WEST LYNDHURST, NJ 07071 | THE PAUL REVERE LIFE INSURANCE COMPANY | $28 | — | $28 | 1.00% |
| LINDSAY JEAN WALTERS3 | 632 SOUTH LINCOLN ST DENVER, CA 80209 | THE PAUL REVERE LIFE INSURANCE COMPANY | $5 | — | $5 | 0.18% |
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 | 328 | 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) | 336 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 329 | $3.7M |
| Dental | DELTA DENTAL OF NEW JERSEY, INC. | 753 | $412K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 561 | $39K |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 401 | $448K |
| Short-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 401 | $423K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 401 | $421K |
| Other(3 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 401 | $729K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 753 | — |
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.