| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW JERSEY INC. | 150 JOHN F. KENNEDY PARKWAY SHORT HILLS, NJ 07078 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $8K | $8K | 0.42% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 ADMINISTRATIVE SERVICES | Contract Administrator; Direct payment from the plan; Other services; Participant communication; Non-monetary compensation; Claims processing; Named fiduciary; Float revenue Service code 12 | — | $60K |
| CIGNA BEHAVIORAL HEALTH, INC. EIN 41-1648670 CONTRACT ADMINISTRATOR | Contract Administrator; Direct payment from the plan; Participant communication; Claims processing Service code 12 | — | $19K |
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 | 787 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 31 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 818 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 2,079 | $1.9M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 2,079 | $1.9M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 2,079 | $1.9M |
| Life insurance(2 contracts) | HARTFORD LIFE AND ACCIDENT | 1,128 | $1.6M |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 784 | $235K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 1,128 | $1.4M |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 2,079 | $1.9M |
| Other | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 2,079 | $1.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,079 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.