| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GCG FINANCIAL LLC3 Filed as: CRISP AN ALERA GROUP INS AGY LLC | 1250 ROUTE 28 SUITE 201 SOMERVILLE, NJ 08876 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $5K | $145K | $150K | 6.18% |
| MARTIN INSURANCE GROUP3 | 259 PROSPECT PLAINS ROAD BLDGF STE CRANBURY, NJ 08512 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $38K | $38K | 1.58% |
| DONALD C SAVOY INC3 Filed as: DONALD C. SAVOY, INC | ROUND TABLE STUDIOS 200 CONNELL DR BERKELEY HEIGHTS, NJ 07922 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $10K | $10K | 0.41% |
| MARTIN INSURANCE GROUP3 | 259 PROSPECT PLAINS ROAD BLDGF STE CRANBURY, NJ 08512 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $5K | $5K | 3.88% |
| GCG FINANCIAL LLC3 Filed as: CRISP AN ALERA GROUP INS AGY LLC | 1250 RTE 28, STE 201 BRANCHBURG, NJ 08876 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $3K | $167 | $4K | 2.50% |
| DONALD C SAVOY INC3 Filed as: DONALD C. SAVOY, INC | 245 HANOVER RD, STE 220 FLORHAM PARK, NJ 07932 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $2K | $2K | 1.08% |
| HORIZON INSURANCE COMPANY3 | 3 PENN PLAZA EAST M2H NEWARK, NJ 07105 | USABLE LIFE | — | $3K | $3K | 6.38% |
| FIRM BENEFITS, INC.3 Filed as: FIRM BENEFITS INC | 1 LETHBRIDGE PLAZA MAHWAH, NJ 07430 | USABLE LIFE | $2K | — | $2K | 3.60% |
| HORIZON INSURANCE COMPANY3 | 3 PENN PLAZA EAST M2H NEWARK, NJ 07105 | USABLE LIFE | — | $3K | $3K | 9.98% |
| FIRM BENEFITS, INC.3 Filed as: FIRM BENEFITS INC | 1 LETHBRIDGE PLAZA MAHWAH, NJ 07430 | USABLE LIFE | $1K | — | $1K | 5.56% |
| HORIZON INSURANCE COMPANY3 | 3 PENN PLAZA EAST M2H NEWARK, NJ 07105 | USABLE LIFE | — | $2K | $2K | 8.24% |
| FIRM BENEFITS, INC.3 Filed as: FIRM BENEFITS INC | 1 LETHBRIDGE PLAZA MAHWAH, NJ 07430 | USABLE LIFE | $780 | — | $780 | 4.07% |
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 | 207 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 207 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 162 | $2.4M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 143 | $140K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 162 | $2.4M |
| Life insurance | USABLE LIFE | 207 | $19K |
| Long-term disability | USABLE LIFE | 204 | $54K |
| Other(2 contracts) | USABLE LIFE | 207 | $45K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 207 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.