| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GREENLEAF BENEFIT ADVISORS LLC3 Filed as: GREENLEAF BENEFIT ADVISORS | 770 KIMBALL AVE WESTFIELD, NJ 07090 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $48K | — | $48K | 4.00% |
| GREENLEAF BENEFIT ADVISORS LLC3 | P.O. BOX 1442 MOUNTAINSIDE, NJ 070920442 | METROPOLITAN LIFE INSURANCE COMPANY | — | $17 | $17 | 0.00% |
| GREENLEAF BENEFIT ADVISORS LLC3 | P.O. BOX 1442 MOUNTAINSIDE, NJ 070920442 | METROPOLITAN LIFE INSURANCE COMPANY | — | $17 | $17 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 CONTRACT ADMIN | Contract Administrator Service code 13 | — | $2.5M |
| MERCER HEALTH & BENEFITS LLC EIN 34-2015463 CONSULTANT | Consulting (general) Service code 16 | — | $163K |
| BENEFIT EXPRESS SERVICES EIN 37-1454096 CONTRACT ADMIN | Claims processing Service code 12 | — | $52K |
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 | 5,741 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 97 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 5,838 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 90 | $510K |
| Dental | DELTA DENTAL OF TENNESSEE | 8,764 | $2.7M |
| Vision | DELTA DENTAL OF TENNESSEE | 7,248 | $551K |
| Life insurance(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 8,530 | $1.7M |
| Short-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 4,073 | $1.2M |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 4,780 | $862K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 8,530 | $790K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 8,764 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.