| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LOCKTON COMPANIES, LLC3 | 777 SOUTH FIGUEROA STREET 52ND FLOOR LOS ANGELES, CA 90017 | UNITEDHEALTHCARE INSURANCE COMPANY | $159K | $0 | $159K | 3.75% |
| GROUP ADVISORY INC3 Filed as: GROUP ADVISORY, INC. | 1135 CLIFTON AVENUE, SUITE 201 CLIFTON, NJ 07013 | UNITEDHEALTHCARE INSURANCE COMPANY | $37K | $0 | $37K | 0.87% |
| LOCKTON COMPANIES, LLC3 | 1801 K STREET NW, SUITE 200 WASHINGTON, DC 20006 | HARTFORD LIFE AND ACCIDENT | $30K | $0 | $30K | 6.51% |
| GROUP ADVISORY INC3 Filed as: GROUP ADVISORY, INC. | 1135 CLIFTON AVENUE, SUITE 201 CLIFTON, NJ 07013 | HARTFORD LIFE AND ACCIDENT | $12K | $0 | $12K | 2.68% |
| LOCKTON COMPANIES, LLC3 | 2100 ROSS AVENUE, SUITE 1200 DALLAS, TX 75201 | HARTFORD LIFE AND ACCIDENT | $0 | $1K | $1K | 0.25% |
| LOCKTON COMPANIES, LLC3 | 3 EMBARCADERO CENTER, SUITE 600 SAN FRANCISCO, CA 94111 | DELTA DENTAL OF NEW JERSEY, INC. | $16K | $0 | $16K | 4.13% |
| GROUP ADVISORY INC3 Filed as: GROUP ADVISORY, INC. | 1135 CLIFTON AVENUE, SUITE 201 CLIFTON, NJ 07013 | DELTA DENTAL OF NEW JERSEY, INC. | $3K | $0 | $3K | 0.88% |
| LOCKTON COMPANIES, LLC3 | 3 EMBARCADERO CENTER, SUITE 600 SAN FRANCISCO, CA 94111 | GENWORTH LIFE INSURANCE COMPANY | $34K | $0 | $34K | 11.35% |
| GROUP ADVISORY INC3 Filed as: GROUP ADVISORY, INC. | 1135 CLIFTON AVENUE, SUITE 201 CLIFTON, NJ 07013 | GENWORTH LIFE INSURANCE COMPANY | $14K | $0 | $14K | 4.57% |
| LOCKTON COMPANIES, LLC3 | 3 EMBARCADERO CENTER, SUITE 600 SAN FRANCISCO, CA 94111 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $3K | $0 | $3K | 7.24% |
| SOTERIA PARTNERS LLC3 | 4 CENTURY DRIVE PARSIPPANY, NJ 07054 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $819 | $719 | $2K | 6.56% |
| 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 | $1K | $0 | $1K | 5.14% |
| NICOLE KOSCO3 Filed as: NICOLE D. KOSCO | 481 RYCOLA CIRCLE MYRTLE BEACH, SC 29575 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $235 | $0 | $235 | 1.00% |
| ELITE ADMINISTRATION3 | 1051 BENNETTS BRIDGE ROAD GREER, SC 29651 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $209 | $0 | $209 | 0.89% |
| GEORGE E BIEL3 Filed as: GEORGE E. BIEL | 1257 CROSSBILL COURT WESTON, FL 33327 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $81 | $0 | $81 | 0.35% |
| TIMOTHY J REED3 Filed as: TIMOTHY J. REED | 21 AZALEA DRIVE LUMBERTON, NJ 08048 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $21 | $0 | $21 | 0.09% |
| RODOVALDO RODRIGUEZ3 | 6606 GRANTON AVENUE, SUITE A-6 NORTH BERGEN, NJ 07047 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $6 | $0 | $6 | 0.03% |
| GIS BENEFITS INC3 Filed as: GIS NATIONAL | 9500 KOGER AVENUE, SUITE 200 SAINT PETERSBURG, FL 33702 | METLIFE LEGAL PLANS | $1K | $0 | $1K | 11.74% |
| LOCKTON COMPANIES, LLC3 | 4275 EXECUTIVE SQUARE, SUITE 600 LA JOLLA, CA 92037 | METLIFE LEGAL PLANS | $774 | $0 | $774 | 8.29% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 Filed as: BOON-CHAPMAN BENEFIT ADMINISTRATORS | PO BOX 9201 AUSTIN, TX 78766 | METLIFE LEGAL PLANS | $0 | $469 | $469 | 5.02% |
| GROUP ADVISORY INC3 Filed as: GROUP ADVISORY, INC. | 1135 CLIFTON AVENUE, SUITE 201 CLIFTON, NJ 07013 | METLIFE LEGAL PLANS | $160 | $0 | $160 | 1.71% |
| 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 | 4 CENTURY DRIVE PARSIPPANY, NJ 07054 | 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 | 312 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 14 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 16 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 342 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 659 | $4.3M |
| Dental | DELTA DENTAL OF NEW JERSEY, INC. | 607 | $376K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 507 | $35K |
| Life insurance(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 310 | $480K |
| Short-term disability(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 310 | $480K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 310 | $455K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 659 | $4.3M |
| Other(5 contracts, 5 carriers) | HARTFORD LIFE AND ACCIDENT | 341 | $785K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 659 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.