| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 718 RIVER RD FAIR HAVEN, NJ 07704 | CIGNA HEALTH AND LIFE INSURANCE COM | $45K | $23K | $68K | 11.27% |
| ASSUREDPARTNERS3 Filed as: AP BENEFIT ADVISORS LLC D/B/A ASSUR | 718 RIVER RD FAIR HAVEN, NJ 07704 | DELTA DENTAL OF NEW JERSEY, INC. | $11K | $12K | $23K | 29.66% |
| ASSUREDPARTNERS3 Filed as: AP BENEFIT ADVISORS LLC D/B/A ASSUR | 718 RIVER RD FAIR HAVEN, NJ 07704 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $36 | $6K | 10.92% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 1933 STATE ROUTE 35 STE 368 WALL, NJ 077193502 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $18 | $1K | 2.54% |
| THE BOON INSURANCE AGENCY3 | 234 SPRING LAKE DR ITASCA, IL 601433202 | METROPOLITAN LIFE INSURANCE COMPANY | $629 | — | $629 | 1.24% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 1933 STATE ROUTE 35 STE 368 WALL, NJ 077193502 | METROPOLITAN LIFE INSURANCE COMPANY | — | $619 | $619 | 1.22% |
| ASSUREDPARTNERS3 Filed as: AP BENEFIT ADVISORS LLC DBA CRAWFOR | 10 NORTH PARK DRIVE SUITE 200 HUNT VALLEY, MD 210301827 | METROPOLITAN LIFE INSURANCE COMPANY | — | $424 | $424 | 0.83% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 Filed as: JAMES R. NELLIGAN & ASSOCIATES | 1060 BROADWAY SUITE 400 ALBANY, NJ 12204 | THE GUARDIAN LIFE INSURANCE COMPANY | $7K | $2K | $9K | 20.15% |
| ASSUREDPARTNERS3 Filed as: AP BENEFIT ADVISORS LLC DBA ASSURED | 718 RIVER ROAD FAIR HAVEN, NJ 07704 | METLIFE LEGAL PLANS | $84 | — | $84 | 7.78% |
| ASSUREDPARTNERS3 Filed as: AP BENEFIT ADVISORS LLC D/B/A ASSUR | 718 RIVER RD FAIR HAVEN, NJ 07704 | FLAGSHIP HEALTH SYSTEMS | $7 | $36 | $43 | 17.27% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE COM EIN 59-1031071 NONE | Actuarial Service code 11 | — | $55K |
| CIGNA HEALTH AND LIFE INSURANCE | Participant communication; Direct payment from the plan; Non-monetary compensation; Claims processing; Contract Administrator; Other services; Float revenue; Named fiduciary Service code 12 | — | $0 |
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 | 136 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 136 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COM | 103 | $600K |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF NEW JERSEY, INC. | 136 | $77K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 151 | $51K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 151 | $51K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 151 | $51K |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 151 | $96K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 151 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.