| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LYONS GLOBAL INSURANCE SERVICES LLC3 | 444 MADISON AVENUE, 18TH FL. NEW YORK, NY 10022 | HARTFORD LIFE AND ACCIDENT | $166K | — | $166K | 5.40% |
| HILB GROUP OF NEW ENGLAND3 | 2000 CHAPEL VIEW BLVD., STE 240 CRANSTON, RI 02920 | HARTFORD LIFE AND ACCIDENT | $12K | $23K | $35K | 1.14% |
| INNOVATIVE INSURANCE SPECIALISTS3 | 46 PRINCE ST., STE. 206 NEW HAVEN, CT 06519 | AMWINS/STOP LOSS INSURANCE SERVICES | $52K | — | $52K | 2.02% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| INNOVATIVE INSURANCE SPECIALISTS EIN 20-1842509 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $2.0M |
| HILB GROUP OF NEW ENGLAND LLC EIN 05-0474165 INSURANCE BROKER | Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | 2000 CHAPEL VIEW BLVD., STE. 240 CRANSTON, RI 02920 | $369K |
| EXPRESS SCRIPTS, INC. EIN 43-1420563 RX ADMINISTRATOR | Contract Administrator Service code 13 | — | $283K |
| DELTA DENTAL OF NEW JERSEY EIN 22-1896118 CLAIMS ADMINISTRATOR | Other services; Contract Administrator; Participant communication; Named fiduciary; Claims processing Service code 12 | 1639 ROUTE 10 PARSIPPANY, NJ 07054 | $101K |
| NOVAK FRANCELLA EIN 61-1436956 AUDITOR | Accounting (including auditing) Service code 10 | 450 SEVENTH AVE., 28TH FL. NEW YORK, NY 10123 | $29K |
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 | 4,728 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 44 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,772 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF NEW JERSEY, INC. | 4,976 | $1.6M |
| Vision | AETNA LIFE INSURANCE CO. | 5,091 | $240K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 4,728 | $3.1M |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 4,728 | $3.1M |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 4,728 | $3.1M |
| Stop-loss / reinsurancereinsurance | AMWINS/STOP LOSS INSURANCE SERVICES | 5,023 | $2.6M |
| Other | HARTFORD LIFE AND ACCIDENT | 4,728 | $3.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,091 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.