| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GEGA CONSULTING GROUP DBA EAST MAIN3 Filed as: GEGA CONSULTING GROUP LLC DBA EAST | 2519 HIGHWAY 35 BUILDING A SUITE 203 MANASQUAN, NJ 08736 | OXFORD HEALTH INSURANCE, INC. | $32K | — | $32K | 3.11% |
| NPPG EMPLOYEE BENEFITS LLC3 | 121 MONMOUTH ST RED BANK, NJ 07701 | OXFORD HEALTH INSURANCE, INC. | $19K | — | $19K | 1.85% |
| GEGA CONSULTING GROUP LLC3 | 1146 BRADFORD DR POINT PLEASANT BEACH, NJ 087422314 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | — | $8K | 6.48% |
| NPPG EMPLOYEE BENEFITS LLC3 | 121 MONMOUTH ST RED BANK, NJ 07701 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 1.84% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 604502215 | METROPOLITAN LIFE INSURANCE COMPANY | -$2K | $575 | -$1K | -1.00% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 604502215 | METROPOLITAN LIFE INSURANCE COMPANY | $87 | $35 | $122 | — |
| GEGA CONSULTING GROUP LLC3 | 1146 BRADFORD DR POINT PLEASANT BEACH, NJ 087422314 | METROPOLITAN LIFE INSURANCE COMPANY | $104 | — | $104 | — |
| NPPG EMPLOYEE BENEFITS LLC3 | 121 MONMOUTH ST RED BANK, NJ 07701 | METROPOLITAN LIFE INSURANCE COMPANY | $28 | — | $28 | — |
| GEGA CONSULTING GROUP LLC3 | 1146 BRADFORD DR POINT PLEASANT BEACH, NJ 087422314 | METROPOLITAN LIFE INSURANCE COMPANY | $206 | — | $206 | — |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 604502215 | METROPOLITAN LIFE INSURANCE COMPANY | $85 | $34 | $119 | — |
| NPPG EMPLOYEE BENEFITS LLC3 | 121 MONMOUTH ST RED BANK, NJ 07701 | METROPOLITAN LIFE INSURANCE COMPANY | $58 | — | $58 | — |
| GEGA CONSULTING GROUP LLC3 | 1146 BRADFORD DR POINT PLEASANT BEACH, NJ 087422314 | METROPOLITAN LIFE INSURANCE COMPANY | $40 | — | $40 | — |
| NPPG EMPLOYEE BENEFITS LLC3 | 121 MONMOUTH ST RED BANK, NJ 07701 | METROPOLITAN LIFE INSURANCE COMPANY | $11 | — | $11 | — |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 604502215 | METROPOLITAN LIFE INSURANCE COMPANY | — | $5 | $5 | — |
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 | 163 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 163 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | OXFORD HEALTH INSURANCE, INC. | 267 | $1.0M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 269 | $124K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 269 | $124K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 269 | $124K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 269 | $124K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 269 | $124K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 269 | — |
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.
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.