| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NORTHEAST BENEFITS3 | 103 PASSAIC VALLEY ROADD MONTVILLE, NJ 07045 | CIGNA | $143K | — | $143K | 14.01% |
| NORTHEAST BENEFITS3 | 364 PARSIPPANY ROAD PARSIPPANY, NJ 07054 | DELTA DENTAL OF NJ INC. | $7K | — | $7K | 2.91% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW JERSEY INC. | BANK OF AMERICA BOSTON, MA 02241 | LIFE INSURANCE COMPANY OF NORTH AMERICA INC. | $18K | — | $18K | 20.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC | PO BOX 4166752 BOSTON, MA 02241 | LIFE INSURANCE COMPANY OF NORTH AMERICA INC. | — | $74 | $74 | 0.08% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC | PO BOX 4557 NEW YORK, NY 10249 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 3.37% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW JERSEY INC. | 150 JOHN F KENNEDY PKWY STE 520 SHORT HILLS, NJ 07016 | STANDARD INSURANCE COMPANY | $665 | — | $665 | 1.13% |
| WILLIS TOWERS WATSON US LLC3 | PO BOX 28852 NEW YORK, NY 10087 | STANDARD INSURANCE COMPANY | — | $179 | $179 | 0.30% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW JERSEY INC. | PO BOX 416315 BOSTON, MA 02241 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 10.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW JERSEY INC. | BANK OF AMERICA BOSTON, MA 02241 | LIFE INSURANCE COMPANY OF NORTH AMERICA INC. | $4K | — | $4K | 10.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC | PO BOX 416672 BOSTON, MA 02241 | LIFE INSURANCE COMPANY OF NORTH AMERICA INC. | — | $74 | $74 | 0.19% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW JERSEY INC. | BANK OF AMERICA BOSTON, MA 02241 | LIFE INSURANCE COMPANY OF NORTH AMERICA INC. | $798 | — | $798 | 20.01% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC | PO BOX 416672 BOSTON, MA 02241 | LIFE INSURANCE COMPANY OF NORTH AMERICA INC. | — | $74 | $74 | 1.86% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INS. CO EIN 59-1031071 SERVICE PROVIDER | Claims processing; Contract Administrator; Named fiduciary; Participant communication; Float revenue; Other services; Non-monetary compensation; Direct payment from the plan Service code 12 | 900 COTTAGE GROVE ROAD BLOOMFIELD, CT 06002 | $126K |
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 | 414 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 425 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA | 317 | $1.0M |
| Dental | DELTA DENTAL OF NJ INC. | 599 | $254K |
| Vision | EYE MED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INS. CO. | 615 | $38K |
| Life insurance(3 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA INC. | 521 | $154K |
| Short-term disability(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 398 | $69K |
| Long-term disability(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA INC. | 143 | $51K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA INC. | 0 | $4K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 615 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.