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Sponsor portfolioWelfare / HealthEIN 22-1296609
SPENCER SAVINGS BANK
611 RIVER DRIVE · ELMWOOD PARK, NJ 07407
2017033800
- Plans filed
- 5
- Years active
- 2015–2025
- Industry
- NAICS 52
- Latest filing
- 2025
Total premiums (latest)
$5.1M
No prior year
Persons covered
393
No prior year
Total participants
205
No prior year
Plans filed
5
No prior year
Plans under this sponsor
5 plans
Plan #505$5.1M
SPENCER SAVINGS MEDICAL PLAN
Mixed393 covered·5 carriers
Primary: UNITEDHEALTHCARE INSURANCE COMPANY
Plan #504$0
SPENCER SAVINGS BANK - VISION PLAN
Self-funded0 covered·0 carriers
Plan #502$0
SPENCER SAVINGS BANK DENTAL PLAN
Self-funded0 covered·0 carriers
Plan #503$0
SPENCER SAVINGS BANK MEDICAL PLAN
Self-funded0 covered·0 carriers
Plan #590$0
SPENCER SAVINGS BANK - LIFE AND DISABILITY PLAN
Self-funded0 covered·0 carriers
Coverage overview
Aggregate, latest year
| Benefit type | Premium | Share | Distribution |
|---|---|---|---|
| Health | $4.7M | 87.0% | |
| Dental | $216K | 4.0% | |
| Life | $154K | 2.8% | |
| Long-term disability | $154K | 2.8% | |
| Other | $154K | 2.8% | |
| Vision | $24K | 0.4% |
Carrier overview
5 carriers · all plans
| Carrier | Coverage | Total premium | Share | Plans | Contracts | Covered |
|---|---|---|---|---|---|---|
EIN 362739571 | H | $4.7M | 92.3% | 1 | 1 | 197 |
EIN 221896118 | D | $212K | 4.1% | 1 | 1 | 393 |
EIN 135123390 | LLTDOth | $154K | 3.0% | 1 | 1 | 294 |
EIN 061227840 | V | $24K | 0.5% | 1 | 1 | 222 |
EIN 222671069 | D | $4K | 0.1% | 1 | 1 | 10 |
Broker overview
2 brokers · all plans
| Broker | Loc | Carriers | Commissions | Fees | Total comp | Share | Plans |
|---|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC. | CHICAGO, IL | UNITEDHEALTHCARE INSURANCE COMPANY, FLAGSHIP HEALTH SYSTEMS, DELTA DENTAL OF NEW JERSEY, INC., VISION SERVICE PLAN | $199K | $0 | $199K | 90.9% | 1 |
| JAMES R NELLIGAN & ASSOCIATES LLC | BELMAR, NJ | GUARDIAN | $18K | $2K | $20K | 9.1% | 1 |
History & trajectory
11 years · all plans
Total premiums
Summed across all plans for this sponsor.
Persons covered
EOY headcount summed across all plans.
Carrier mix
Premium by top carriers, summed across plans.
Broker compensation
Comp by top brokers, summed across plans.
Policy details
Latest year, by plan