| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ANNE HELLER3 | 364 D HACKENSACK ST WOOD RIDGE, NJ 07075 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $6K | $78K | $85K | 4.38% |
| PROFESSIONAL PENSIONS INC3 Filed as: PROFESSIONAL PENSIONS | 10 RESEARCH PKWY WALLINGFORD, CT 06492 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $5K | $5K | 0.25% |
| ANNE HELLER3 | 364 D HACKENSACK STREET WOODRIDGE, NJ 07075 | CIGNA LIFE INSURANCE CO OF NEW YORK | $3K | — | $3K | 11.98% |
| ANNE HELLER3 | 122 PARISH DRIVE WAYNE, NJ 07470 | SUN LIFE HEALTH INSURANCE COMPANY (U.S.) | $2K | — | $2K | 13.72% |
| PROFESSIONAL PENSIONS INC3 Filed as: PROFESSIONAL PENSIONS INC. | 10 RESEARCH PKWY WALLINGFORD, CT 06492 | FIRST UNEM LIFE INSURANCE COMPANY | $826 | $110 | $936 | 15.76% |
| ANNE HELLER3 | 122 PARISH DRIVE WAYNE, NJ 074706000 | VISION SERVICE PLAN | $487 | — | $487 | 9.15% |
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 | 105 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 105 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 102 | $1.9M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 102 | $1.9M |
| Vision | VISION SERVICE PLAN | 34 | $5K |
| Life insurance | SUN LIFE HEALTH INSURANCE COMPANY (U.S.) | 15 | $12K |
| Long-term disability | CIGNA LIFE INSURANCE CO OF NEW YORK | 133 | $29K |
| Other(2 contracts, 2 carriers) | SUN LIFE HEALTH INSURANCE COMPANY (U.S.) | 106 | $18K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 133 | — |
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.