| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF NEW JERSEY LLC | 20 COMMERCE DR STE 200 CRANFORD, NJ 07016 | UNITEDHEALTHCARE INSURANCE COMPANY | $51K | — | $51K | 4.79% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NE LLC | 445 HAMILTON AVE FL 10 WHITE PLAINS, NY 10601 | UNITEDHEALTHCARE INSURANCE COMPANY | $13 | — | $13 | 0.00% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF NJ | 1317 ROUTE 73, SUITE 101 MT. LAUREL, NJ 08054 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $869 | — | $869 | 15.00% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF NEW JERSEY LLC | 20 COMMERCE DR STE 200 CRANFORD, NJ 07016 | METROPOLITAN LIFE INSURANCE COMPANY | $545 | $17 | $562 | 15.88% |
| HERBERT L. JAMISON & CO. LLC3 Filed as: HERBERT L JAMISON & CO. LLC | 20 COMMERCE DR BSMT 2 CRANFORD, NJ 07016 | METROPOLITAN LIFE INSURANCE COMPANY | $71 | — | $71 | 2.01% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NE LLC | 445 HAMILTON AVE FL 10 WHITE PLAINS, NY 10601 | METROPOLITAN LIFE INSURANCE COMPANY | $25 | — | $25 | 0.71% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF NEW JERSEY LLC | 20 COMMERCE DR STE 200 CRANFORD, NJ 07016 | METROPOLITIAN LIFE INSURANCE COMPANY | $53 | $17 | $70 | 2.74% |
| HERBERT L. JAMISON & CO. LLC3 Filed as: HERBERT L JAMISON & CO. LLC | 20 COMMERCE DR BSMT 2 CRANFORD, NJ 07016 | METROPOLITIAN LIFE INSURANCE COMPANY | $64 | — | $64 | 2.50% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NE LLC | 445 HAMILTON AVE FL 10 WHITE PLAINS, NY 10601 | METROPOLITIAN LIFE INSURANCE COMPANY | $58 | — | $58 | 2.27% |
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 | 132 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 136 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 154 | $1.1M |
| Dental | METROPOLITIAN LIFE INSURANCE COMPANY | 132 | $78K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 154 | $1.1M |
| Life insurance(2 contracts, 2 carriers) | METROPOLITIAN LIFE INSURANCE COMPANY | 132 | $84K |
| Long-term disability | METROPOLITIAN LIFE INSURANCE COMPANY | 132 | $78K |
| Other(4 contracts, 3 carriers) | METROPOLITIAN LIFE INSURANCE COMPANY | 132 | $90K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 154 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.