| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RSC INSURANCE BROKERAGE INC3 | 21 COMMERCE DRIVE CRANFORD, NJ 07016 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $1K | $52K | $53K | 3.91% |
| ACRISURE LLC3 Filed as: MEEKER SHARKEY ASSOCIATES LLC | 21 COMMERCE DRIVE STE 302 CRANFORD, NJ 07016 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $858 | $40K | $41K | 3.00% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC | 225 WIRELESS BLVD SUITE 200 HAUPPAUGE, NY 117880000 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $34K | $34K | 2.47% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC | 225 WIRELESS BLVD STE 200 HAUPPAUGE, NY 11788 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $5K | $5K | 5.00% |
| ACRISURE LLC3 Filed as: MEEKER SHARKEY ASSOCIATES LLC | 21 COMMERCE DR 3RD FL CRANFORD, NJ 07016 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 3.97% |
| ACRISURE LLC3 Filed as: MEEKER SHARKEY ASSOCIATES LLC | 21 COMMERCE DR 3RD FL CRANFORD, NJ 07016 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 13.26% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC | 225 WIRELESS BLVD STE 200 HAUPPAUGE, NY 11788 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $1K | $1K | 5.00% |
| ACRISURE LLC3 Filed as: MEEKER SHARKEY ASSOCIATES LLC | 21 COMMERCE DR 3RD FL CRANFORD, NJ 07016 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 9.79% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC | 255 WIRELESS BLVD STE 200 HAUPPAUGE, NY 11788 | LIFE INSURANCE COMPANY OF NORTH AMERICA | -$209 | $1K | $897 | 5.00% |
| ACRISURE LLC3 Filed as: MEEKER SHARKEY ASSOCIATES LLC | 21 COMMERCE DR 3RD FL CRANFOED, NJ 07016 | CIGNA HEALTH AND LIFE INSURANCE | $359 | — | $359 | 8.75% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL ST 4TH FL BOSTON, MA 02110 | CIGNA HEALTH AND LIFE INSURANCE | $256 | — | $256 | 6.24% |
| ACRISURE LLC3 Filed as: MEEKER SHARKEY ASSOCIATES LLC | 21 COMMERCE DR 3RD FL CRANFORD, NJ 07016 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $354 | — | $354 | 8.67% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL ST 4TH FL BOSTON, MA 02110 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $258 | — | $258 | 6.32% |
| ACRISURE LLC3 Filed as: MEEKER SHARKEY ASSOCIATES LLC | 21 COMMERCE DR 3RD FL CRANFORD, NJ 07016 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $485 | — | $485 | 12.00% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC | 225 WIRELESS BLVD STE 200 HAUPPAUGE, NY 11788 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $202 | $202 | 5.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE COM EIN 59-1031071 | Other fees Service code 99 | — | $92K |
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 | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 196 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 183 | $1.4M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 183 | $1.4M |
| Life insurance(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $22K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $23K |
| Other(4 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 0 | $108K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 183 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.
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.