| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PREFERRED BENEFITS GROUP3 | 80 RTE 4 E STE 245 PARAMUS, NJ 07652 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $221K | $221K | 4.93% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 718 RIVER ROAD FAIR HAVEN, NJ 07704 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $83K | $83K | 1.85% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (OK), LLC | — | BLUECROSS BLUESHIELD OF OKLAHOMA | $39K | $0 | $39K | 3.81% |
| PREFERRED BENEFITS GROUP3 | 80 EAST STATE ROUTE 4 SUITE 245 PARAMUS, NJ 07652 | KAISER FOUNDATION HEALTH PLAN INC | $17K | $0 | $17K | 4.98% |
| PREFERRED BENEFITS GROUP3 | 80 ROUTE 4 EAST SUITE 245 PARAMUS, NJ 07652 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $15K | $0 | $15K | 10.83% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 718 RIVER ROAD FAIR HAVEN, NJ 07707 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $7K | $7K | 4.93% |
| PREFERRED BENEFITS GROUP3 | 80 ROUTE 4 EAST SUITE 245 PARAMUS, NJ 07652 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $10K | $0 | $10K | 10.87% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 718 RIVER ROAD FAIR HAVEN, NJ 07704 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $4K | $4K | 4.98% |
| PREFERRED BENEFITS GROUP3 | 80 ROUTE 4 EAST SUITE 245 PARAMUS, NJ 07652 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $9K | $0 | $9K | 10.88% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 718 RIVER ROAD FAIR HAVEN, NJ 07704 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $4K | $4K | 5.00% |
| PREFERRED BENEFITS GROUP3 | PO BOX 786677 PHILADELPHIA, PA 19178 | VISION SERVICE PLAN | $3K | $0 | $3K | 5.01% |
| PREFERRED BENEFITS GROUP3 | 80 RTE 4 E STE 245 PARAMUS, NJ 07652 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $26K | $1K | $27K | 52.98% |
| BRADLEY K BIEL0 | 225 GRAND ST APT 706 JERSEY CITY, NJ 07302 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 8.84% |
| PREFERRED BENEFITS GROUP3 | 80 ROUTE 4 EAST PARAMUS, NJ 07652 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $1K | $4K | 8.58% |
| PREFERRED BENEFITS GROUP3 | 80 ROUTE 4 EAST SUITE 245 PARAMUS, NJ 07652 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $0 | $3K | 10.86% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 718 RIVER ROAD FAIR HAVEN, NJ 07704 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $1K | $1K | 4.97% |
| PREFERRED BENEFITS GROUP3 | 80 RTE 4 E STE 245 PARAMUS, NJ 07652 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | $2K | $0 | $2K | 9.35% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 718 RIVER RD FAIR HAVEN, NJ 07704 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | $0 | $974 | $974 | 5.00% |
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 | 428 | 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) | 428 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 300 | $5.9M |
| Dental(2 contracts, 2 carriers) | BLUECROSS BLUESHIELD OF OKLAHOMA | 350 | $1.1M |
| Vision | VISION SERVICE PLAN | 381 | $58K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 300 | $140K |
| Short-term disability(3 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 300 | $151K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 300 | $88K |
| Other(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 300 | $75K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 381 | — |
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.