| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IOA NORTHEAST, INC.3 | 1451 ROUTE 34 STE 101 FARMINGDALE, NJ 07727 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | — | $8K | 13.73% |
| IOA NORTHEAST, INC.3 | 1451 ROUTE 34 STE 101 FARMINGDALE, NJ 07727 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 13.81% |
| IOA NORTHEAST, INC.3 | 1451 ROUTE 34 STE 101 FARMINGDALE, NJ 07727 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 13.90% |
| IOA NORTHEAST, INC.3 | 1451 ROUTE 34 S STE 101 FARMINGDALE, NJ 07727 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 14.33% |
| NYLIFE SECURITIES LLC3 | 51 MADISON AVE NEW YORK, NY 10010 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $154 | $154 | 0.95% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 755 W. BIG BEAVER RD STE 2300 TROY, MI 48084 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $57 | — | $57 | 0.35% |
| IOA NORTHEAST, INC.3 | 1451 ROUTE 34 STE 101 FARMINGDALE, NJ 07727 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $483 | — | $483 | 13.61% |
| INSURANCE OFFICE OF AMERICA4 Filed as: INSURANCE OFFICE OF AMERICA INC. | 2056 VISTA PARKWAY STE 350 WEST PALM BEACH, FL 33411 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $69 | — | $69 | 9.96% |
| BARRY OLFERN AND ASSOC. INC4 Filed as: BARRY OLFERN AND ASSOC. INC. | 954 TYLER ST. HOLLYWOOD, FL 33019 | PRE-PAID LEGAL SERVICES INC. DBA LEGALSHIELD | $49 | — | $49 | 7.07% |
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 | 147 | 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) | 147 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 86 | $371K |
| Dental(2 contracts, 2 carriers) | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 155 | $424K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 230 | $14K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $33K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $56K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $23K |
| Prescription drug | BLUE CROSS AND BLUE SHIELD OF ALABAMA | 86 | $371K |
| Other(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 102 | $20K |
| 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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.