| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GEGA CONSULTING GROUP DBA EAST MAIN3 Filed as: GEGA CONSUTLING GROUP DBA EAST MAIN | 135 RIVERSIDE DRIVE NORTH BRICK, NJ 08724 | HORIZON HEALTHCARE SERVICES, INC. | $52K | — | $52K | 4.93% |
| GEGA CONSULTING GROUP LLC3 Filed as: GEGA CONSULTING GROUP | DBA EAST MAIN BENEFITS 2519 HIGHWAY 35A, SUITE 203 MANASQUAN, NJ 08736 | DELTA DENTAL OF NJ, INC. | $4K | — | $4K | 4.12% |
| DONALD W MARVEL3 | 133 JUNIPER WAY BASKING RIDGE, NJ 07970 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 10.25% |
| GEGA CONSULTING GROUP LLC3 | 2519 HIGHWAY 35 BUILDING A SUITE 203 MANASQUAN, NJ 08736 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $859 | — | $859 | 3.78% |
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 | 145 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 145 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HORIZON HEALTHCARE SERVICES, INC. | 116 | $1.1M |
| Dental | DELTA DENTAL OF NJ, INC. | 237 | $109K |
| Vision | HORIZON HEALTHCARE SERVICES, INC. | 116 | $1.1M |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 145 | $23K |
| Prescription drug | HORIZON HEALTHCARE SERVICES, INC. | 116 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 237 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.