| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE WILSHIRE GROUP LLC3 | 2035 LINCOLN HIGHWAY STE 1080 EDISON, NJ 08817 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $144K | $144K | 3.30% |
| THE WILSHIRE GROUP LLC3 Filed as: WILSHIRE GROUP LLC | 2035 LINCOLN HIGHWAY, SUITE 1080 EDISON, NJ 08817 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $10K | — | $10K | 4.90% |
| THE WILSHIRE GROUP LLC3 Filed as: WILSHIRE GROUP LLC | 2035 LINCOLN HIGHWAY, SUITE 1080 EDISON, NJ 08817 | STARMOUNT LIFE INSURANCE COMPANY | $4K | — | $4K | 8.04% |
| THE WILSHIRE GROUP LLC3 Filed as: WILSHIRE GROUP LLC | 2035 LINCOLN HIGHWAY, SUITE 1080 EDISON, NJ 08817 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 9.65% |
| THE WILSHIRE GROUP LLC3 Filed as: WILSHIRE GROUP LLC | 2035 LINCOLN HIGHWAY, SUITE 1080 EDISON, NJ 08817 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 14.23% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS LLC | 225 WIRELESS BLVD 2ND FL HAUPPAUGE, NY 11788 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $2K | $2K | 4.56% |
| VARIOUS - SEE ATTACHED3 | C/O COLONIAL LIFE P.O. BOX 1365 COLUMBIA, SC 29202 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $1 | $3K | 13.58% |
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 | 634 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 637 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 510 | $4.4M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 492 | $197K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 409 | $53K |
| Life insurance(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 634 | $102K |
| Short-term disability | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 34 | $24K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 634 | $42K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 510 | $4.4M |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 634 | $65K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 634 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.