| 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 | 12.21% |
| 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 | $11K | $21K | 29.63% |
| ASSUREDPARTNERS3 Filed as: AP BENEFIT ADVISORS LLC D/B/A ASSUR | 718 RIVER RD FAIR HAVEN, NJ 07704 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $19 | $5K | 10.94% |
| JAMES R NELLIGAN & ASSOCIATES LLC3 | 1933 STATE ROUTE 35 STE 368 WALL, NJ 077193502 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $651 | $2K | 5.15% |
| ASSUREDPARTNERS3 Filed as: AP BENEFIT ADVISORS LLC DBA CRAWFOR | 10 NORTH PARK DRIVE SUITE 200 HUNT VALLEY, MD 210301827 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $673 | $673 | 1.43% |
| JAMES R NELLIGAN & ASSOCIATES LLC Filed as: JAMES R. NELLIGAN & ASSOCIATES | 1060 BROADWAY SUITE 400 ALBANY, NJ 12204 | THE GUARDIAN LIFE INSURANCE COMPANY | $7K | $2K | $9K | 20.18% |
| ASSUREDPARTNERS3 Filed as: AP BENEFIT ADVISORS LLC DBA ASSURED | 718 RIVER ROAD FAIR HAVEN, NJ 07704 | METLIFE LEGAL PLANS | $21 | — | $21 | 7.78% |
| ASSUREDPARTNERS3 Filed as: AP BENEFIT ADVISORS LLC D/B/A ASSUR | 718 RIVER RD FAIR HAVEN, NJ 07704 | FLAGSHIP HEALTH SYSTEMS | $9 | $32 | $41 | 17.37% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE COM EIN 59-1031071 NONE | Actuarial Service code 11 | — | $30K |
| CIGNA HEALTH AND LIFE INSURACE CO | Float revenue; Claims processing; Participant communication; Other services; Named fiduciary; Non-monetary compensation; Direct payment from the plan; Contract Administrator Service code 12 | — | $0 |
| CIGNA HEALTH AND LIFE INSURANCE CO | Direct payment from the plan; Contract Administrator; Employee (plan); Claims processing; Named fiduciary; Float revenue; Non-monetary compensation; Other services; Participant communication 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 | 132 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 132 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COM | 89 | $495K |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF NEW JERSEY, INC. | 132 | $72K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 146 | $47K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 146 | $47K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 146 | $47K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 146 | $47K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 146 | — |
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.