| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CUSTOMIZED BENEFIT SOLUTIONS3 | 125 RAILROAD AVENUE STE 2 HIGHTSTOWN, NJ 08520 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $66K | $66K | 3.00% |
| BANKERS COOPERATIVE GROUP, INC.3 | 411 NORTH AVENUE EAST CRANFORD, NJ 07719 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $10K | — | $10K | 15.00% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN AND ASSOCIATES | 2338 IMMOKALEE RD STE 240 NAPLES, FL 34110 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | — | $3K | 5.00% |
| GCG FINANCIAL LLC3 Filed as: CRISP AN ALERA GROUP INS AGENCY LLC | 125 RAILROAD AVENUE HIGHTSTOWN, NJ 08520 | HORIZON HEALTHCARE SERVICES, INC | $2K | — | $2K | 3.86% |
| GCG FINANCIAL LLC3 Filed as: CRISP AN ALERA GROUP INS AGENCY LLC | 125 RAILROAD AVENUE HIGHTSTOWN, NJ 08520 | HORIZON HEALTHCARE DENTAL, INC. | $2K | — | $2K | 3.86% |
| BANKERS COOPERATIVE GROUP, INC.3 | 411 NORTH AVENUE EAST CRANFORD, NJ 07719 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $23K | — | $23K | 100.00% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN AND ASSOCIATES | 2338 IMMOKALEE RD STE 240 NAPLES, FL 24110 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 5.00% |
| SAVOY ASSOCIATES3 | 4AAA DRIVE, SUITE 205 HAMILTON, NJ 08691 | MAGELLAN BEHAVIORAL HEALTH | $963 | — | $963 | 9.99% |
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 | 195 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 197 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 190 | $2.2M |
| Dental(2 contracts, 2 carriers) | HORIZON HEALTHCARE SERVICES, INC | 98 | $124K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 195 | $70K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 195 | $23K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 190 | $2.2M |
| Other(2 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 251 | $79K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 251 | — |
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.
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.