| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC. Filed as: BROWN & BROWN METRO LLC | 3330 BARGAMTOWN ROAD EGG HARBOR TOWNSHIP, NJ 08234 | CIGNA HEALTH AND LIFE INSURANCE CO | $148K | — | $148K | 5.02% |
| INNOVATIVE RISK SOLUTIONS Filed as: INNOVATIVE RISK SOLUTIONS, INC | 3330 BARGAINTOWN ROAD STE 2 EGG HARBOR TWP, NJ 08234 | CIGNA HEALTH AND LIFE INSURANCE CO | — | — | $0 | 0.00% |
| INNOVATIVE RISK SOLUTIONS Filed as: INNOVATIVE RISK SOLUTIONS, INC. | 3330 BARGAINTOWN ROAD, SUITE 2 EGG HARBOR TOWNSHIP, NJ 08234 | SUN LIFE ASSURANCE COMPANY OF CANADA | $60K | — | $60K | 7.50% |
| BROWN AND BROWN OF FLORIDA, INC. Filed as: BROWN & BROWN METRO LLC | 3330 BARGAMTOWN ROAD EGG HARBOR TOWNSHIP, NJ 08234 | AETNA LIFE INSURANCE CO. | $15K | — | $15K | 3.16% |
| INNOVATIVE RISK SOLUTIONS | 3330 BARGAINTOWN ROAD, SUTE 2 EGG HARBOR, NJ 08234 | AETNA LIFE INSURANCE CO. | — | — | $0 | 0.00% |
| BROWN AND BROWN OF FLORIDA, INC. Filed as: BROWN & BROWN METRO LLC | 3330 BARGAMTOWN ROAD EGG HARBOR TOWNSHIP, NJ 08234 | THE HARTFORD LIFE AND ACCIDENT | $9K | — | $9K | 3.20% |
| INNOVATIVE RISK SOLUTIONS Filed as: INNOVATIVE RISK SOLUTIONS INC | 3330 BARGAINTOWN ROAD STE 2 EGG HARBOR TOWNSHIP, NJ 08234 | THE HARTFORD LIFE AND ACCIDENT | — | — | $0 | 0.00% |
| INNOVATIVE RISK SOLUTIONS Filed as: INNOVATIVE RISK SOLUTIONS INC | 3330 BARGAINTOWN ROAD STE 2 EGG HARBOR TWP, NJ 08234 | NATIONAL VISION ADMINISTRATORS LLC | $4K | — | $4K | 5.00% |
| INNOVATIVE RISK SOLUTIONS Filed as: INNOVATIVE RISK SOLUTIONS, INC | 3330 BARGAINTOWN ROAD, SUITE 2 EGG HARBOR, NJ 08234 | STANDARD SECURITY LIFE INS. COMPANY OF NEW YORK | — | — | $0 | — |
| INNOVATIVE RISK SOLUTIONS Filed as: INNOVATIVE RISK SOLUTIONS, INC. | 3330 BARGAINTOWN ROAD, SUITE 2 EGG HARBOR TOWNSHIP, NJ 08234 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | — | $0 | — |
| INNOVATIVE RISK SOLUTIONS | 3330 BARGAINTOWN ROAD, SUITE 2 EGG HARBOR TOWNSHIP, NJ 08234 | RELIANCE STANDARD LIFE INSURANCE COMPANY | — | — | $0 | — |
| INNOVATIVE RISK SOLUTIONS | 3330 BARGAINTOWN ROAD SUITE 2 EGG HARBOR TOWNSHIP, NJ 08234 | HCC LIFE INSURANCE COMPANY | — | — | $0 | — |
| BROWN AND BROWN OF FLORIDA, INC. Filed as: BROWN & BROWN METRO LLC | 3330 BARGAMTOWN ROAD EGG HARBOR TOWNSHIP, NJ 08234 | HCC LIFE INSURANCE COMPANY | — | — | $0 | — |
| INNOVATIVE RISK SOLUTIONS Filed as: INNOVATIVE RISK SOLUTIONS INC | 3330 BARGAINTOWN ROAD STE 2 EGG HARBOR TOWNSHIP, NJ 08234 | VISION SERVICE PLAN | — | — | $0 | — |
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 | 0 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE CO | 407 | $3.0M |
| Dental(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE CO | 1,055 | $3.4M |
| Vision(2 contracts, 2 carriers) | NATIONAL VISION ADMINISTRATORS LLC | 0 | $72K |
| Life insurance(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 0 | $1.1M |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 0 | $0 |
| Prescription drug(2 contracts, 2 carriers) | EXPRESS SCRIPTS, INC. | 407 | $0 |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | STANDARD SECURITY LIFE INS. COMPANY OF NEW YORK | 0 | $0 |
| Other | CIGNA HEALTH AND LIFE INSURANCE CO | 134 | $3.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,055 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.