| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW JERSEY, INC. | UNKNOWN CHATHAM, NJ 07928 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $56K | $0 | $56K | 9.07% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW JERSEY, INC. | 150 JOHN F. KENNEDY PARKWAY SUITE 520 SHORT HILLS, NJ 07078 | DELTA DENTAL OF NEW JERSEY, INC. | $4K | $0 | $4K | 3.51% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 310 PASSAIC AVENUE, SUITE 202 FAIRFIELD, NJ 07004 | DELTA DENTAL OF NEW JERSEY, INC. | $412 | $0 | $412 | 0.33% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW JERSEY, INC. | 10000 MIDLANTIC DRIVE, SUITE 200 EAST MOUNT LAUREL, NJ 08054 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | $0 | $6K | 8.74% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 310 PASSAIC AVENUE, SUITE 202 FAIRFIELD, NJ 07004 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 2.25% |
No Schedule C service providers reported on this filing.
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 | 183 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 183 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 206 | $612K |
| Dental | DELTA DENTAL OF NEW JERSEY, INC. | 315 | $125K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 183 | $73K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 183 | $73K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 183 | $73K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 206 | $612K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 183 | $73K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 315 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.