| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVE 21ST FLOOR NEW YORK, NY 10173 | OXFORD HEALTH IN | $47K | — | $47K | 3.88% |
| CUSTOMIZED BENEFIT SOLUTIONS3 | 125 RAILROAD AVE SUITE 2 HIGHSTOWN, NJ 08520 | OXFORD HEALTH IN | $15K | — | $15K | 1.29% |
| PREFERRED BENEFITS GROUP3 | 80 EAST STATE ROUTE 4 SUITE 245 PARAMUS, NJ 07652 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $8K | $5K | $14K | 12.18% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES, LLC | 141 LONGWATER DRIVE SUITE 101 NORWELL, MA 02061 | DELTA DENTAL OF NEW JERSEY, INC. | $2K | — | $2K | 2.67% |
| CUSTOMIZED BENEFIT SOLUTIONS3 | 125 RAILROAD AVENUE SUITE 2 HIGHSTOWN, NJ 08520 | DELTA DENTAL OF NEW JERSEY, INC. | $1K | — | $1K | 1.33% |
| PREFERRED BENEFITS GROUP3 | 80 EAST SUITE 245 PARAMUS, NJ 07652 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | $2K | $4K | 18.70% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVE NEW YORK, NY 10173 | UNITEDHEALTHCARE INSURANCE COMPANY | $1K | — | $1K | 6.67% |
| CUSTOMIZED BENEFIT SOLUTIONS3 | 125 RAILROAD AVE SUITE 2 HIGHSTOWN, NJ 08520 | UNITEDHEALTHCARE INSURANCE COMPANY | $528 | — | $528 | 3.33% |
| PREFERRED BENEFITS GROUP3 | 80 EAST ROUTE 4 SUITE 245 PARAMUS, NJ 07652 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $139 | — | $139 | 8.32% |
| FERRARA FINANCIAL GROUP, LLC3 | 1150 RARITAN ROAD CRANFORD, NJ 07016 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3 | — | $3 | 0.18% |
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 | 174 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 181 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | OXFORD HEALTH IN | 230 | $1.2M |
| Dental | DELTA DENTAL OF NEW JERSEY, INC. | 113 | $80K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 205 | $16K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 161 | $112K |
| Short-term disability(2 contracts) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 154 | $22K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 161 | $112K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 161 | $112K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 230 | — |
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.