| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $903 | $903 | 0.04% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC | 200 LIBERTY STREET, 6TH FLOOR NEW YORK, NY 10281 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $41K | — | $41K | 21.64% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC | 200 LIBERTY STREET, 6TH FLOOR NEW YORK, NY 10281 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $30K | — | $30K | 21.66% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC | 200 LIBERTY STREET, 6TH FLOOR NEW YORK, NY 10281 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $27K | — | $27K | 21.82% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC | PO BOX 4557 NEW YORK, NY 10249 | METLIFE LEGAL PLANS | $10K | $293 | $11K | 10.98% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST | PO BOX 416672 BOSTON, MA 02241 | METLIFE LEGAL PLANS | — | $2K | $2K | 1.65% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB, ROGAL, & HOBBS, LLC | 100 PARK AVENUE 14TH FLOOR NEW YORK, NY 10017 | METLIFE LEGAL PLANS | — | $534 | $534 | 0.56% |
| BENEFITFOCUS.COM, INC.3 | DEPT 3383, PO BOX 123383 DALLAS, TX 75312 | METLIFE LEGAL PLANS | — | $417 | $417 | 0.43% |
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 | 4,257 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 179 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,439 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 6,651 | $139K |
| Dental | DELTA DENTAL OF NEW JERSEY, INC. | 6,910 | $3.6M |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INS CO OF NY | 5,906 | $388K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 4,457 | $2.5M |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 4,457 | $2.5M |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 4,457 | $2.5M |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 6,651 | $139K |
| Other(5 contracts, 3 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 4,457 | $3.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 6,910 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.