| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BOLLINGER INC3 | 200 JEFFERSON PARK WHIPPANY, NJ 07981 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $9K | — | $9K | 1.05% |
| BOLLINGER INC3 | 200 JEFFERSON PARK WHIPPANY, NJ 07981 | METROPOLITAN LIFE INSURANCE COMPANY | $10K | — | $10K | 10.73% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | NORTHEAST 3RD FLOOR 250 PARK AVENUE NEW YORK, NY 10177 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 19.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | 400 MIDLAND DRIVE SUITE 300 MT LAUREL, NJ 08054 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 6.83% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE COM EIN 59-1031071 INSURANCE PROVIDER | Direct payment from the plan; Participant communication; Named fiduciary; Float revenue; Contract Administrator; Other services; Non-monetary compensation; Claims processing Service code 12 | 900 COTTAGE GROVE ROAD HARTFORD, CT 061527314 | $619K |
| BOLLINGER INC EIN 36-2481781 INSURANCE BROKER | Insurance agents and brokers Service code 22 | 200 JEFFERSON PARK WHIPPANY, NJ 07981 | $119K |
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 | 795 | 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) | 795 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 979 | $854K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 795 | $91K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 92 | $37K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 92 | $34K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 979 | $854K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 795 | $91K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 979 | — |
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."
No prospect flags tripped on this filing.