| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ANNE HELLER3 | 364-D HACKENSACK STREET WOOD RIDGE, NJ 07075 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $81K | — | $81K | 4.38% |
| PROFESSIONAL PENSIONS INC3 Filed as: PROFESSIONAL PENSIONS, INC. | 10 RESEARCH PARKWAY WALLINGFORD, CT 06492 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | — | $4K | $4K | 0.24% |
| ANNE HELLER3 | 122 PARISH DRIVE WAYNE, NJ 07470 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 11.49% |
| ANNE HELLER3 | 1220 PARISH DRIVE WAYNE, NJ 07470 | SUN LIFE AND HEALTH INSURANCE COMPANY U.S. | $1K | — | $1K | 12.44% |
| ANNE HELLER3 | 122 PARISH DRIVE WOOD RIDGE, NJ 07470 | VISION SERVICE PLAN | $512 | — | $512 | 9.79% |
| REUBEN WARNER ASSOCIATES, INC.3 | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | FEDERAL INSURANCE COMPANY | $285 | — | $285 | 20.00% |
| HERBERT L. JAMISON & CO. LLC3 Filed as: HERBERT L. JAMISON COMPANY | 20 COMMERCE DRIVE CRANFORD, NJ 07016 | FEDERAL INSURANCE COMPANY | $214 | — | $214 | 15.02% |
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 | 139 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 144 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 116 | $1.9M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 116 | $1.9M |
| Vision | VISION SERVICE PLAN | 36 | $5K |
| Life insurance | SUN LIFE AND HEALTH INSURANCE COMPANY U.S. | 18 | $10K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 139 | $31K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 116 | $1.9M |
| Other | FEDERAL INSURANCE COMPANY | 139 | $1K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 139 | — |
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."
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.