| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KFR BENEFITSPLANS LLC3 | 331 NEWMAN SPRINGS ROAD BLDG 1 SUITE 143 RED BANK, NJ 07701 | CIGNA HEALTH AND LIFE INSURANCE | $276K | — | $276K | 3.50% |
| KFR BENEFITSPLANS LLC3 | 331 NEWMAN SPRINGS ROAD BLDG 1 SUITE 143 RED BANK, NJ 07701 | DELTA DENTAL OF NEW JERSEY INC. | $7K | — | $7K | 2.68% |
| KFR BENEFITSPLANS LLC3 | 331 NEWMAN SPRINGS ROAD BLDG 1 SUITE 143 RED BANK, NJ 07701 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 5.45% |
| KFR BENEFITSPLANS LLC3 | 331 NEWMAN SPRINGS ROAD BLDG 1 SUITE 143 RED BANK, NJ 07701 | VISION SERVICE PLAN | $1K | — | $1K | 5.28% |
| KFR BENEFITSPLANS LLC3 | 331 NEWMAN SPRINGS ROAD BLDG 1 SUITE 143 RED BANK, NJ 07701 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 20.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EVERNORTH CARE SOLUTIONS, INC. EIN 86-1465626 EVERNORTH CARE SOLUTIONS, | Direct payment from the plan; Claims processing; Contract Administrator; Participant communication Service code 12 | — | $6K |
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 | 496 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 496 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE | 496 | $7.9M |
| Dental | DELTA DENTAL OF NEW JERSEY INC. | 493 | $273K |
| Vision | VISION SERVICE PLAN | 251 | $23K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 267 | $156K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 267 | $156K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE | 496 | $7.9M |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 267 | $175K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 496 | — |
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.