| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CIGNA5 Filed as: CIGNA HEALTH AND LIFE INSURANCE COM | 900 COTTAGE GROVE RD BLOOMFIELD, CT 06002 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $487K | $487K | 22.89% |
| SCS FINANCIAL3 | 7 TURTLE CLAN COURT MILLSTONE TOWNSHIP, NJ 08510 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $153K | -$474 | $152K | 7.15% |
| EMERSON REID LLC3 Filed as: EMERSON REID & COMPANY INC | 1787 SENTRY PKWY W,VEVA 16 STE 320 BLUE BELL, PA 19422 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $120K | $120K | 5.66% |
| SHIREEN PESTONJEE3 | 7 TURTLE CLAN COURT MILLSTONE TOWNSHIP, NJ 08510 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | -$474 | -$474 | -0.02% |
| SCS FINANCIAL3 | 7 TURTLE CLAN COURT MILLSTONE TWP, NJ 08510 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $29K | -$474 | $29K | 7.36% |
| EMERSON REID LLC3 Filed as: EMERSON REID & COMPANY, INC | 1787 SENTRY PKWY W,VEVA 16 STE 320 BLUE BELL, PA 19422 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $13K | $13K | 3.18% |
| SHIREEN PESTONJEE3 | 7 TURTLE CLAN COURT MILLSTONE TWP, NJ 08510 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $107 | -$474 | -$367 | -0.09% |
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 | 582 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 586 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 841 | $2.1M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 455 | $394K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 455 | $394K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 841 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.