Plan Ledger DOL Form 5500 · updated monthly

First Commerce Bankbenefits

The First Commerce Bank Health & Welfare Benefit Plan · LAKEWOOD, NJ · plan year 2025

Broker compensation reported · 2025
$144,019

First Commerce Bank's benefits plans covered 155 active participants in 2025, providing health · life · dental · vision · long-term disability · other. Insurance premiums totaled $122,123. Insurance brokers and agents were paid $144,019 in commissions and fees, costs that ultimately come out of what the employer and employees pay for coverage. That works out to 117.9% of premiums. That is $929 per covered person, in the top 10% of employer plans that report broker pay. Broker pay fell 72% from $512,527 in 2024.

Insurance contracts · 20256
DELTA DENTAL OF NEW JERSEY, INC. · dental$117K · 118 covered
FLAGSHIP HEALTH SYSTEMS · dental$5K · 37 covered
HORIZON HEALTHCARE SERVICES, INC · drugpremiums n/a · 126 covered
VISION SERVICE PLAN · visionpremiums n/a · 117 covered
UNUM LIFE INSURANCE COMPANY OF AMERICA · life ltdpremiums n/a · 155 covered
HORIZON HEALTHCARE SERVICES, INC. · healthpremiums n/a · 126 covered
Brokers & agents paid · 20257
CENTERSTONE INS. FIN. DBA BENEFIT M$112,843 · incl $28,905 fees
FOREST FINANCIAL INSURANCE AND$17,577
CENTERSTONE INS. & FINANCIAL SRVS.$5,988
FOREST FINANCIAL INSURANCE AND FINA$5,743
FOREST FIN INS AND FIN SVCS NC$949
CENTERSTONE INSURANCE AND F NCIAL$780
FORES FINANCIAL INSURANCE AND FINA$139
Also brokered by Centerstone Ins. Fin. dba Benefit M1

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Source: DOL Form 5500 Schedule A, plan year 2025, EIN 203528237 · Verify on EFAST2 · Amounts are as reported by the plan sponsor.