| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NEW ENGLAND EMPLOYEE BENEFITS CO3 Filed as: NEW ENGLAND EMPLOYEE BENEFITS CO. | 15 CHENELL DRIVE CONCORD, NH 03301 | CIGNA HEALTH AND LIFE INSURANCE AND AFFILIATES | $1K | — | $1K | 4.46% |
| T E FREULER AGENCY INC3 | 270 DAVIDSON AVE, STE 101 SOMERSET, NJ 08873 | CIGNA HEALTH AND LIFE INSURANCE AND AFFILIATES | $572 | — | $572 | 1.84% |
| DONALD C SAVOY INC3 | ROUND TABLE STUDIOS 200 CONNELL DR#1000 BERKELEY HEIGHTS, NJ 07922 | CIGNA HEALTH AND LIFE INSURANCE AND AFFILIATES | — | $527 | $527 | 1.69% |
| GLADSTONE, ROBERT3 | 6 GROBELNY DRIVE PARLIN, NJ 08859 | CIGNA HEALTH AND LIFE INSURANCE AND AFFILIATES | $468 | — | $468 | 1.50% |
| NEW ENGLAND EMPLOYEE BENEFITS CO3 Filed as: NEW ENGLAND EMPLOYEE BENEFITS CO. | 15 CHENELL DR CONCORD, NH 03301 | CIGNA DENTAL HEALTH OF NEW JERSEY, INC. | $508 | — | $508 | 5.66% |
| T E FRUULER AGENCY INC.3 | 270 DAVIDSON AVE STE 101 SOMERSET, NJ 08873 | CIGNA DENTAL HEALTH OF NEW JERSEY, INC. | $214 | — | $214 | 2.38% |
| ROBERT SCOTT GLADSTONE3 | 6 GROBELNY DR PARLIN, NJ 08859 | CIGNA DENTAL HEALTH OF NEW JERSEY, INC. | $176 | — | $176 | 1.96% |
| DONALD C SAVOY INC3 | ROUND TABLE STUDIOS - SUITE 1000 200 CONNELL DR BERKELEY HEIGHTS, NJ 07922 | CIGNA DENTAL HEALTH OF NEW JERSEY, INC. | — | $156 | $156 | 1.74% |
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. |
| 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) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE AND AFFILIATES | 0 | $40K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 0 | — |
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."
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.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.