| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 35 WATERVIEW BOULEVARD, SUITE 300 PARSIPPANY, NJ 07054 | DELTA DENTAL OF NEW JERSEY, INC. | $19K | $0 | $19K | 9.99% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 112 TOWN CENTER DRIVE WARREN, NJ 07059 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $20K | $0 | $20K | 20.73% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $11 | $11 | 0.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | HEARTLAND | $632 | $0 | $632 | 5.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 300 FELLOWSHIP ROAD MOUNT LAUREL, NJ 08054 | ALPHA DENTAL PROGRAMS, INC. | $903 | $0 | $903 | 10.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | 165 BROADWAY, SUITE 3201 NEWYORK, NY 10006 | FEDERAL INSURANCE COMPANY | $600 | $0 | $600 | 19.99% |
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 | 109 | 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) | 109 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF NEW JERSEY, INC. | 203 | $198K |
| Vision | HEARTLAND | 236 | $13K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 94 | $98K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 94 | $98K |
| Other(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 160 | $101K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 236 | — |
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.