| 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 | $157K | — | $157K | 5.00% |
| GROUP ADVISORY INC3 Filed as: GROUP ADVISORY INC. | 1135 CLIFTON AVE SUITE 201 CLIFTON, NJ 07013 | HARTFORD LIFE AND ACCIDENT | $45K | $0 | $45K | 9.88% |
| GROUP ADVISORY INC3 | 1135 CLIFTON AVENUE, SUITE 201 CLIFTON, NJ 07013 | DELTA DENTAL OF NEW JERSEY, INC. | $18K | — | $18K | 5.01% |
| GROUP ADVISORY INC3 Filed as: GROUP ADVISORY, INC. | 1135 CLIFTON AVE #201 CLIFTON, NJ 07013 | GENWORTH LIFE INSURANCE COMPANY | $52K | — | $52K | 18.56% |
| PREFERRED BENEFITS GROUP3 Filed as: PREFERRED BENEFITS GROUP INC | 80 E STATE RT 4, SUITE 245 PARAMUS, NJ 07652 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $926 | — | $926 | 3.43% |
| ELITE ADMINISTRATION3 | 313 HARKINS BLUFF DR GREER, SC 29651 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $293 | — | $293 | 1.09% |
| CDC CONSULTING SERVICES INC3 | 47 WESTERN AVE DEER PARK, NY 11729 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $272 | — | $272 | 1.01% |
| BRAD BIEL3 | 1050 WALL STREET WEST LYNDHURST, NJ 07071 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $257 | — | $257 | 0.95% |
| GEORGE E BIEL3 | 1257 CROSSBILL CT WESTON, FL 33327 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $115 | — | $115 | 0.43% |
| SOTERIA PARTNERS LLC3 | 1050 WALL STREET WEST LYNDHURST, NJ 07071 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $47 | — | $47 | 0.17% |
| TIMOTHY J REED3 | 21 AZALEA DRIVE LUMBERTON, NJ 08048 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $45 | — | $45 | 0.17% |
| DAVID A BETMAN3 | 4106 STOCONGA DRIVE BELTSVILLE, MD 20705 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8 | — | $8 | 0.03% |
| LINDSAY JEAN WALTERS3 | 632 SOUTH LINCOLN ST DENVER, CO 80209 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| GROUP ADVISORY INC3 | 1135 CLIFTON AVE, STE 201 CLIFTON, NJ 07013 | HARTFORD LIFE AND ACCIDENT | $889 | $0 | $889 | 10.00% |
| GIS BENEFITS INC3 Filed as: GIS NATIONAL | 9500 KOGER AVE STE 200 ST PETERSBURG, FL 33702 | METLIFE LEGAL PLANS | $703 | — | $703 | 11.02% |
| GROUP ADVISORY INC3 | 1135 CLIFTON AVE, SUITE 201 CLIFTON, NJ 01013 | METLIFE LEGAL PLANS | $638 | — | $638 | 10.00% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 Filed as: BOON-CHAPMAN BENEFIT ADMINISTRATORS | PO BOX 9201, BLDG 1 SUITE 100 AUSTIN, TN 78766 | METLIFE LEGAL PLANS | — | $327 | $327 | 5.13% |
| 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 | $70 | — | $70 | 3.94% |
| ELITE ADMINISTRATION3 | 313 HARKINS BLUFF DR GREER, SC 29651 | THE PAUL REVERE LIFE INSURANCE COMPANY | $20 | — | $20 | 1.13% |
| BRAD BIEL3 | 1050 WALL STREET WEST LYNDHURST, NJ 07071 | THE PAUL REVERE LIFE INSURANCE COMPANY | $17 | — | $17 | 0.96% |
| SOTERIA PARTNERS LLC3 | 1050 WALL STREET WEST LYNDHURST, NJ 07071 | THE PAUL REVERE LIFE INSURANCE COMPANY | $3 | — | $3 | 0.17% |
| LINDSAY JEAN WALTERS3 | 632 SOUTH LINCOLN ST DENVER, CA 80209 | THE PAUL REVERE LIFE INSURANCE COMPANY | $0 | — | $0 | 0.00% |
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 | 307 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 310 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 670 | $3.4M |
| Dental | DELTA DENTAL OF NEW JERSEY, INC. | 624 | $358K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY (EYEMED) | 517 | $35K |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 381 | $487K |
| Short-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 381 | $461K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 381 | $460K |
| Other(4 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 381 | $755K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 670 | — |
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.