| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN METRO, INC. | 56 LIVINGSTON AVENUE ROSELAND, NJ 07068 | DELTA DENTAL OF NEW JERSEY, INC. | $32K | — | $32K | 1.85% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN METRO, LLC | 56 LIVINGSTON AVENUE ROSELAND, NJ 07068 | CONTINENTAL AMERICAN INSURANCE COMPANY | $335K | — | $335K | 31.21% |
| BRIAN WHITE3 Filed as: BRIAN MATTHEW WHITE | 6 COWDIN LANE CHAPPAQUA, NY 10514 | CONTINENTAL AMERICAN INSURANCE COMPANY | $8 | — | $8 | 0.00% |
| TODD MICHAEL COHOE3 Filed as: TODD JOSEPH BURKE | 2 IRIS LANE GARDEN CITY, NY 11530 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5 | — | $5 | 0.00% |
| DOUGLAS MEIER3 Filed as: DOUGLAS R. MEIER | 23 ROCKLEDGE TERRACE POMPTON PLAINS, NJ 07444 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4 | — | $4 | 0.00% |
| BENITO A ROTONDI3 Filed as: BENITO A. ROTONDI | 23 PINE RIDGE ROAD SARATOGA SPRINGS, NY 12866 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN AND BROWN OF NY, INC. | 56 LIVINGSTON AVENUE, 2ND FLOOR ROSELAND, NJ 07068 | STANDARD INSURANCE COMPANY | $0 | $9K | $9K | 3.69% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN AND BROWN METRO, LLC | 56 LINVINGSTON AVENUE, 2ND FLOOR ROSELAND, NJ 07068 | STANDARD INSURANCE COMPANY | $4K | $0 | $4K | 1.62% |
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 | 832 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 22 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 854 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF NEW JERSEY, INC. | 5,595 | $1.7M |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 5,261 | $297K |
| Life insurance(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 2,168 | $1.3M |
| Short-term disability(2 contracts, 2 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 2,168 | $1.3M |
| Long-term disability | STANDARD INSURANCE COMPANY | 832 | $245K |
| Other(4 contracts, 4 carriers) | CONTINENTAL AMERICAN INSURANCE COMPANY | 2,168 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,595 | — |
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.