| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NEW ENGLAND, INC. | ONE FINANCIAL PLAZA 2ND FLOOR HARTFORD, CT 06103 | DELTA DENTAL OF NEW JERSEY, INC. | $6K | — | $6K | 9.82% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NEW ENGLAND, INC. | 755 MAIN STREET HARTFORD, CT 06103 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | — | $3K | 9.80% |
| AP BENEFIT ADVISORS, LLC3 | 10 NORTH PARK DR STE 200 HUNT VALLEY, MD 21030 | RELIASTAR LIFE INSURANCE COMPANY | $5K | $1K | $6K | 21.75% |
| T2B SOLUTIONS INC.3 | PO BOX 43 INDIANOLA, IA 50125 | RELIASTAR LIFE INSURANCE COMPANY | — | $203 | $203 | 0.75% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NEW ENGLAND LLC | ONE FINANCIAL PLAZA 2ND FLOOR HARTFORD, CT 06103 | VISION SERVICE PLAN | $742 | — | $742 | 6.67% |
| EMPLOYEE NAVIGATOR, LLC3 | 7979 OLD GEORGETOWN RD STE 300 BETHESDA, MD 20814 | VISION SERVICE PLAN | $55 | — | $55 | 0.49% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 10 NORTH PARK DR STE 200 HUNT VALLEY, MD 21030 | TRANSAMERICA LIFE INSURANCE COMPANY | $4K | — | $4K | 52.05% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES, INC. EIN 41-1289245 CLAIMS PROCESSOR | Claims processing; Other services Service code 12 | — | $65K |
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 | 448 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 8 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 456 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF NEW JERSEY, INC. | 259 | $64K |
| Vision | VISION SERVICE PLAN | 262 | $11K |
| Life insurance(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 448 | $39K |
| Short-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 448 | $31K |
| Long-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 448 | $31K |
| Other(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 448 | $58K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 448 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.