| 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 | $40K | $20K | $60K | 14.62% |
| ASSUREDPARTNERS3 Filed as: AP BENEFIT ADVISORS LLC D/B/A ASSUR | 718 RIVER RD FAIR HAVEN, NJ 07704 | DELTA DENTAL OF NEW JERSEY, INC. | $9K | — | $9K | 14.95% |
| ASSUREDPARTNERS3 Filed as: AP BENEFIT ADVISORS LLC D/B/A ASSUR | 718 RIVER RD FAIR HAVEN, NJ 07704 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $17 | $6K | 12.71% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 1800 STATE ROUTE 34 STE 404A BLDG 4 WALL, NJ 07719 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $928 | $3K | 5.97% |
| ASSUREDPARTNERS3 Filed as: AP BENEFIT ADVISORS LLC DBA CRAWFOR | 1416 SWEET HOME RD STE 6 AMHERST, NY 14228 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $439 | $439 | 1.00% |
| ASSUREDPARTNERS3 Filed as: AP BENEFIT ADVISORS LLC D/B/A ASSUR | 718 RIVER RD FAIR HAVEN, NJ 07704 | FLAGSHIP HEALTH SYSTEMS | $27 | — | $27 | 3.06% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE COM EIN 59-1031071 NONE | Actuarial Service code 11 | — | $25K |
| CIGNA HEALTH AND LIFE INSURANCE CO | Direct payment from the plan; Named fiduciary; Participant communication; Other services; Claims processing; Non-monetary compensation; Contract Administrator; Float revenue 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 | 111 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 111 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COM | 94 | $413K |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF NEW JERSEY, INC. | 111 | $60K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 150 | $44K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 150 | $44K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 150 | $44K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 150 | $44K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 150 | — |
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.