| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GRINSPEC OF NJ DBA CENTRIC BENEFITS3 Filed as: GRINSPEC OF NJ INC | C/O EDWARD GUNTHER JR 219 SOUTH STREET NEW PROVIDENCE, NJ 07974 | GUARDIAN | $34K | — | $34K | — |
| GRINSPEC OF NJ DBA CENTRIC BENEFITS3 Filed as: GRINSPEC OF NJ INC. | EDWARD GUNTHER 219 SOUTH STREET NEW PROVIDENCE, NJ 07974 | CIGNA GROUP INSURANCE | $11K | — | $11K | — |
| GRINSPEC OF NJ DBA CENTRIC BENEFITS3 Filed as: GRINSPEC OF NJ INC | EDWARD GUNTHER 219 SOUTH STREET NEW PROVIDENCE, NJ 07974 | CIGNA GROUP INSURANCE | $1K | — | $1K | — |
| GRINSPEC OF NJ DBA CENTRIC BENEFITS3 Filed as: GRINSPEC OF NJ INC | EDWARD GUNTHER 219 SOUTH STREET NEW PROVIDENCE, NJ 07974 | CIGNA GROUP INSURANCE | $14K | — | $14K | — |
| GRINSPEC OF NJ DBA CENTRIC BENEFITS3 Filed as: GRINSPEC OF NJ INC | EDWARD GUNTHER 219 SOUTH STREET NEW PROVIDENCE, NJ 07974 | CIGNA GROUP INSURANCE | $161 | — | $161 | — |
| GRINSPEC OF NJ DBA CENTRIC BENEFITS3 Filed as: GRINSPEC OF NJ INC | EDWARD GUNTHER 219 SOUTH STREET NEW PROVIDENCE, NJ 07974 | CIGNA GROUP INSURANCE | $4K | — | $4K | — |
| GRINSPEC OF NJ DBA CENTRIC BENEFITS3 Filed as: GRINSPEC OF NJ INC | EDWARD GUNTHER 219 SOUTH STREET NEW PROVIDENCE, NJ 07924 | CIGNA GROUP INSURACE | $23K | — | $23K | — |
| GRINSPEC OF NJ DBA CENTRIC BENEFITS3 Filed as: GRINSPEC OF NJ INC | EDWARD GUNTHER 219 SOUTH STREET NEW PROVIDENCE, NJ 07974 | CIGNA GROUP INSURANCE | $29K | — | $29K | — |
| GRINSPEC OF NJ DBA CENTRIC BENEFITS3 Filed as: GRINSPEC OF NJ INC | EDWARD GUNTHER 219 SOUTH STREET NEW PROVIDENCE, NJ 07974 | CIGNA GROUP INSURANCE | $3K | — | $3K | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 CLAIMS ADMIN/RELATED SVCS | Other services; Non-monetary compensation; Claims processing; Participant communication; Direct payment from the plan; Named fiduciary; Contract Administrator; Float revenue Service code 12 | — | $1.2M |
| CIGNA | Participant communication; Float revenue; Claims processing; Non-monetary compensation; Named fiduciary; Other services; Contract Administrator; Direct payment from the plan Service code 12 | — | $3K |
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 | 1,578 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,578 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN | 1,143 | $0 |
| Life insurance(3 contracts) | CIGNA GROUP INSURANCE | 1,578 | $0 |
| Short-term disability(4 contracts, 2 carriers) | CIGNA GROUP INSURANCE | 1,210 | $0 |
| Long-term disability | CIGNA GROUP INSURANCE | 1,578 | $0 |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 2,477 | $364K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,477 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.