| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KFR BENEFITSPLANS LLC3 | 331 NEWMAN SPRINGS RD, BLD1,STE.143 RED BANK, NJ 07701 | CIGNA HEALTH AND LIFE INSURANCE AND AFFILIATES | $229K | — | $229K | 3.72% |
| KFR BENEFITSPLANS LLC3 | 331 NEWMAN SPRINGS RD.,BLD 1,STE143 RED BANK, NJ 07701 | DELTA DENTAL PLAN OF NEW JERSEY, INC. | $8K | — | $8K | 2.88% |
| KFR BENEFITSPLANS LLC3 | 331 NEWMAN SPRINGS RD,BLD. 1,STE143 RED BANK, NJ 07701 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 5.13% |
| KFR BENEFITSPLANS LLC3 Filed as: KFR BENEFTITSPLANS LLC | 331 NEWMAN SPRINGS RD.,BLD 1,STE143 RED BANK, NJ 07701 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 5.14% |
| KFR BENEFITSPLANS LLC3 | 331 NEWMAN SPRINGS RD, BLD1, STE143 RED BANK, NJ 07701 | VISION SERVICE PLAN | $1K | — | $1K | 5.14% |
| KFR BENEFITSPLANS LLC3 | 331 NEWMAN SPRINGS RD, BLD 1,STE143 RED BANK, NJ 07701 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 14.31% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA BEHAVORIAL HEALTH, INC. EIN 41-1648670 ADMINISTER EAP | Contract Administrator; Claims processing; Participant communication; Direct payment from the plan 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 | 563 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 563 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE AND AFFILIATES | 563 | $6.2M |
| Dental | DELTA DENTAL PLAN OF NEW JERSEY, INC. | 534 | $264K |
| Vision | VISION SERVICE PLAN | 266 | $24K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 271 | $72K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 269 | $97K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE AND AFFILIATES | 563 | $6.2M |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 271 | $12K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 563 | — |
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.