| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WELLS FARGO INSURANCE SERVICES3 | ROUTE 38 AND EAST GATE DRIVE MOORESTOWN, NJ 08057 | HARTFORD LIFE AND ACCIDENT | $7K | $156 | $7K | 10.75% |
| WELLS FARGO INSURANCE SERVICES3 | 150 NORTH MICHIGAN AVENUE SUITE 3900 CHICAGO, IL 60601 | HARTFORD LIFE AND ACCIDENT | — | $1K | $1K | 1.82% |
| WELLS FARGO INSURANCE SERVICES3 | 190 RIVER ROAD, 1ST FLOOR SUMMIT, NJ 07901 | ZURICH AMERICAN INSURANCE COMPANY | $143 | — | $143 | 15.05% |
| REUBEN WARNER ASSOCIATES, INC.3 | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | ZURICH AMERICAN INSURANCE COMPANY | — | $143 | $143 | 15.05% |
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 | 1,335 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 49 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 15 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,399 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 2,663 | $14.8M |
| Dental | DELTA DENTAL OF NEW YORK, INC. | 2,555 | $944K |
| Life insurance(2 contracts, 2 carriers) | NIPPON LIFE INSURANCE COMPANY OF AMERICA | 1,408 | $528K |
| Long-term disability | NIPPON LIFE INSURANCE COMPANY OF AMERICA | 1,408 | $461K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 2,663 | $14.8M |
| Other(4 contracts, 4 carriers) | NIPPON LIFE INSURANCE COMPANY OF AMERICA | 3,548 | $556K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,548 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.