| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DUFFY LIVINGSTON LLC3 Filed as: DUFFY LIVINGSTON, LLC | 718 RIVER ROAD FAIR HAVEN, NJ 07704 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $112K | $8K | $120K | 6.94% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $93K | — | $93K | 5.40% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS | 718 RIVER ROAD FAIR HAVEN, NJ 07704 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $756 | — | $756 | 0.69% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS | 718 RIVER ROAD FAIR HAVEN, NJ 07704 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 2.32% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS | 718 RIVER ROAD FAIR HAVEN, NJ 07704 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 11.00% |
| DUFFY LIVINGSTON LLC3 Filed as: DUFFY LIVINGSTON, LLC | 718 RIVER ROAD FAIR HAVEN, NJ 07704 | HM LIFE INSURANCE COMPANY | $1K | — | $1K | 5.00% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS | 718 RIVER ROAD FAIR HAVEN, NJ 07704 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 8.60% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA EIN 59-1031071 CLAIM ADMINISTRATION | Participant communication; Contract Administrator; Float revenue; Other services; Claims processing; Direct payment from the plan; Named fiduciary; Non-monetary compensation Service code 12 | — | $9K |
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 | 1,178 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 14 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 19 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,211 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,178 | $1.7M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,178 | $1.7M |
| Vision | HM LIFE INSURANCE COMPANY | 630 | $27K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 648 | $109K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 253 | $30K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 405 | $73K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,178 | $1.7M |
| Other(3 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,178 | $1.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,178 | — |
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.