| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARK J REDDINGTON3 | 186 WOOD AVE SOUTH STE 301 ISELIN, NJ 08830 | CIGNA LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 9.94% |
| BENEFITMALL3 | 1133 WESTCHESTER AVE STE 229 WHITE PLAINS, NY 10604 | CIGNA LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $1K | $1K | 6.62% |
| MARK J REDDINGTON3 | 186 WOOD AVE SOUTH STE 301 ISELIN, NJ 08830 | CIGNA LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 14.53% |
| BENEFITMALL3 | 1133 WESTCHESTER AVE STE 229 WHITE PLAINS, NY 10604 | CIGNA LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $1K | $1K | 6.65% |
| MARK J REDDINGTON3 | 186 WOOD AVE SOUTH STE 301 ISELIN, NJ 08830 | CIGNA LIFE INSURANCE COMPANY OF NORTH AMERICA | $374 | — | $374 | 10.01% |
| BENEFITMALL3 | 1133 WESTCHESTER AVE STE 229 WHITE PLAINS, NY 10604 | CIGNA LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $236 | $236 | 6.32% |
| MARK J REDDINGTON3 | 186 WOOD AVE SOUTH STE 301 ISELIN, NJ 08830 | CIGNA LIFE INSURANCE COMPANY OF NORTH AMERICA | $362 | — | $362 | 12.01% |
| BENEFITMALL3 | 1133 WESTCHESTER AVE STE 229 WHITE PLAINS, NY 10604 | CIGNA LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $200 | $200 | 6.63% |
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 | 138 | 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) | 138 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | CIGNA LIFE INSURANCE COMPANY OF NORTH AMERICA | 138 | $17K |
| Short-term disability | CIGNA LIFE INSURANCE COMPANY OF NORTH AMERICA | 19 | $4K |
| Long-term disability | CIGNA LIFE INSURANCE COMPANY OF NORTH AMERICA | 138 | $17K |
| Other | CIGNA LIFE INSURANCE COMPANY OF NORTH AMERICA | 138 | $3K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 138 | — |
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.