| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GROUP ADVISORY INC3 Filed as: GROUP ADVISORY INC. | 1135 CLIFTON AVENUE, SUITE 201 CLIFTON, NJ 07013 | UNITEDHEALTHCARE INSURANCE COMPANY | $173K | $0 | $173K | 5.00% |
| GROUP ADVISORY INC3 Filed as: GROUP ADVISORY INC, | 1135 CLIFTON AVENUE, SUITE 201 CLIFTON, NJ 07013 | HARTFORD LIFE AND ACCIDENT | $47K | $0 | $47K | 9.32% |
| GROUP ADVISORY INC3 Filed as: GROUP ADVISORY INC. | 1135 CLIFTON AVENUE, SUITE 201 CLIFTON, NJ 07013 | DELTA DENTAL OF NEW JERSEY, INC. | $18K | $0 | $18K | 5.00% |
| GROUP ADVISORY INC3 Filed as: GROUP ADVISORY INC. | 1135 CLIFTON AVENUE, SUITE 201 CLIFTON, NJ 07013 | GENWORTH LIFE INSURANCE COMPANY | $41K | — | $41K | 12.97% |
| PREFERRED BENEFITS GROUP3 Filed as: PREFERRED BENEFITS GROUP INC. | 80 EAST STATE ROUTE 4, SUITE 245 PARAMUS, NJ 07652 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $817 | $0 | $817 | 3.06% |
| SOTERIA PARTNERS LLC3 | 1050 WALL STREET WEST LYNDHURST, NJ 07071 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $452 | $328 | $780 | 2.92% |
| ELITE ADMINISTRATION3 | 1051 BENNETTS BRIDGE ROAD GREER, SC 29651 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $260 | $0 | $260 | 0.97% |
| GEORGE E BIEL3 Filed as: GEORGE E. BIEL | 1257 CROSSBILL COURT WESTON, FL 33327 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $106 | $0 | $106 | 0.40% |
| RODOVALDO RODRIGUEZ3 | 6606 GRANTON AVENUE, SUITE A-6 NORTH BERGEN, NJ 07047 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $67 | $3 | $70 | 0.26% |
| TIMOTHY J REED3 Filed as: TIMOTHY J. REED | 21 AZALEA DRIVE LUMBERTON, NJ 08048 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $42 | $0 | $42 | 0.16% |
| GIS BENEFITS INC3 Filed as: GIS NATIONAL | 9500 KROGER AVENUE, SUITE 200 ST. PETERSBURG, FL 33702 | METLIFE LEGAL PLANS | $804 | $0 | $804 | 9.27% |
| GROUP ADVISORY INC3 Filed as: GROUP ADVISORY INC. | 1135 CLIFTON AVENUE, SUITE 201 CLIFTON, NJ 07013 | METLIFE LEGAL PLANS | $684 | $0 | $684 | 7.88% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 | PO BOX 9201 AUSTIN, TX 78766 | METLIFE LEGAL PLANS | $0 | $344 | $344 | 3.96% |
| PREFERRED BENEFITS GROUP3 Filed as: PREFERRED BENEFITS GROUP INC. | 80 EAST STATE ROUTE 4, SUITE 245 PARAMUS, NJ 07652 | THE PAUL REVERE LIFE INSURANCE COMPANY | $62 | $0 | $62 | 3.49% |
| ELITE ADMINISTRATION3 | 1051 BENNETTS BRIDGE ROAD GREER, SC 29651 | THE PAUL REVERE LIFE INSURANCE COMPANY | $18 | $0 | $18 | 1.01% |
| SOTERIA PARTNERS LLC3 | 1050 WALL STREET WEST LYNDHURST, NJ 07071 | THE PAUL REVERE LIFE INSURANCE COMPANY | $18 | $0 | $18 | 1.01% |
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 | 315 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 324 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 706 | $3.5M |
| Dental | DELTA DENTAL OF NEW JERSEY, INC. | 636 | $369K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 542 | $40K |
| Life insurance(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 315 | $530K |
| Short-term disability(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 315 | $530K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 315 | $501K |
| Other(5 contracts, 5 carriers) | HARTFORD LIFE AND ACCIDENT | 342 | $856K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 706 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.