| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE WILSHIRE GROUP LLC3 Filed as: THE WILSHIRE GROUP, LLC | 2035 LINCOLN HIGHWAY, SUITE 1080 EDISON, NJ 08817 | HARTFORD LIFE AND ACCIDENT | $10K | — | $10K | 2.00% |
| AON CONSULTING INC3 Filed as: AON CONSULTING OF NEW JERSEY INC | 29840 NETWORK PLACE CHICAGO, IL 606731299 | HARTFORD LIFE AND ACCIDENT | $671 | — | $671 | 0.13% |
| THE WILSHIRE GROUP LLC3 Filed as: WILSHIRE GROUP LLC | 2035 LINCOLN HIGHWAY, SUITE 1080 EDISON, NJ 08817 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $13K | — | $13K | 3.30% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 1.70% |
| THE WILSHIRE GROUP LLC3 Filed as: WILSHIRE GROUP LLC | 2035 LINCOLN HIGHWAY, SUITE 1080 EDISON, NJ 08817 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 1.33% |
| THE WILSHIRE GROUP LLC3 Filed as: THE WILSHIRE GROUP, LLC | 2035 LINCOLN HIGHWAY, SUITE 1080 EDISON, NJ 08817 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | $5K | $10K | 7.82% |
| AON CONSULTING INC3 Filed as: AON CONSULTING & INSURANCE SERVICE | 10 LANIDEX PLAZA W 3RD PARSIPPANY, NJ 07054 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $384 | — | $384 | 0.29% |
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 | 900 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 39 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 939 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HMSA | 1 | $7K |
| Dental | HMSA | 1 | $7K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,148 | $134K |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 2,223 | $918K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 2,223 | $517K |
| Other | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,531 | $401K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,223 | — |
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.