| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CUSTOMIZED BENEFIT SOLUTIONS3 | 125 RAILROAD AVE SUITE 2 HIGHSTOWN, NJ 08520 | UNITEDHEALTHCARE INSURANCE COMPANY | $87K | $0 | $87K | 5.00% |
| NEW YORK LONG TERM CARE BROKER3 | 11 EXECUTIVE PARK DRIVE CLIFTON PARK, NY 12065 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | $0 | $9K | 6.71% |
| NEES ENROLL3 | 65 BURBANK RD SUTTON, MA 01590 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $0 | $6K | 5.00% |
| CUSTOMIZED BENEFIT SOLUTIONS3 | 125 RAILROAD AVENUE SUITE 2 HIGHSTOWN, NJ 08520 | DELTA DENTAL OF NEW JERSEY, INC. | $2K | — | $2K | 1.71% |
| GCG FINANCIAL LLC3 Filed as: CRISP AN ALERA GROUP INSURANCE AGEN | 1250 ROUTE 28 SUITE 201 BRANCHBURG, NJ 08876 | DELTA DENTAL OF NEW JERSEY, INC. | $2K | — | $2K | 1.52% |
| NEW YORK LONG TERM CARE BROKER3 | 11 EXECUTIVE PARK DRIVE CLIFTON PARK, NY 12065 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 1.51% |
| NEESENROLL3 | 65 BURBANK RD SUTTON, MA 01590 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $500 | — | $500 | 0.63% |
| GCG FINANCIAL LLC3 Filed as: CRISP, AN ALERA GRP INS AGCY, LLC | 1250 STATE ROUTE 28 STE 201 BRANCHBURG, NJ 08876 | VISION SERVICE PLAN | $757 | — | $757 | 4.44% |
| CUSTOMIZED BENEFIT SOLUTIONS3 | 125 RAILROAD AVE SUITE 2 HIGHSTOWN, NJ 08520 | VISION SERVICE PLAN | $599 | — | $599 | 3.51% |
| NEES ENROLL3 | 65 BURBANK RD SUTTON, MA 01590 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $1K | $0 | $1K | 13.70% |
| NEW YORK LONG TERM CARE BROKER3 | 11 EXECUTIVE PARK DRIVE CLIFTON PARK, NY 12065 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $454 | $0 | $454 | 5.00% |
| NEW YORK LONG TERM CARE BROKER3 | 11 EXECUTIVE PARK DRIVE CLIFTON PARK, NY 12065 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $0 | $1K | 17.45% |
| NEES ENROLL3 | 65 BURBANK RD SUTTON, MA 01590 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $409 | $327 | $736 | 9.00% |
| NEW YORK LONG TERM CARE BROKER3 | 11 EXECUTIVE PARK DRIVE CLIFTON PARK, NY 12065 | FIRST UNUM LIFE INSURANCE COMPANY | $1K | — | $1K | 18.35% |
| NEESENROLL3 | 65 BURBANK RD SUTTON, MA 01590 | FIRST UNUM LIFE INSURANCE COMPANY | $300 | $240 | $540 | 9.02% |
| NEW YORK LONG TERM CARE BROKER3 | 11 EXECUTIVE PARK DRIVE CLIFTON PARK, NY 12065 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $779 | $0 | $779 | 13.56% |
| NEES ENROLL3 | 65 BURBANK RD SUTTON, MA 01590 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $779 | $0 | $779 | 13.56% |
| NEW YORK LONG TERM CARE BROKER3 | 11 EXECUTIVE PARK DRIVE CLIFTON PARK, NY 12065 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $551 | — | $551 | 13.52% |
| NEES ENROLL3 | 65 BURBANK RD SUTTON, MA 01590 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $551 | — | $551 | 13.52% |
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 | 148 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 152 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 148 | $1.7M |
| Dental | DELTA DENTAL OF NEW JERSEY, INC. | 148 | $102K |
| Vision | VISION SERVICE PLAN | 148 | $17K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 148 | $129K |
| Short-term disability(4 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 148 | $98K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 148 | $129K |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 148 | $142K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 148 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.