| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CAMBRIDGE LIFE BROKERAGE LLC3 | 875 AVENUE OF THE AMERICAS 350 FIFTH AVENUE, SUITE 1010 NEW YORK, NY 10001 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $11K | — | $11K | 2.27% |
| THE CAPITAL GROUP LLC3 Filed as: THE CAPITAL GROUP | 6720 B ROCKRIDGE DRIVE SUITE 400 BETHESDA, MD 20817 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $3K | — | $3K | 0.72% |
| DONALD C SAVOY INC3 | 25 HANOVER RD # B SUITE 220 FLORHAM PARK, NJ 07932 | DELTA DENTAL OF NEW JERSEY INC. | $3K | — | $3K | 3.78% |
| CAMBRIDGE LIFE BROKERAGE LLC3 | 875 AVENUE OF THE AMERICAS 350 FIFTH AVENUE, SUITE 1010 NEW YORK, NY 10001 | DELTA DENTAL OF NEW JERSEY INC. | $3K | — | $3K | 3.53% |
| THE CAPITAL GROUP LLC3 Filed as: THE CAPITAL GROUP | 6720 B ROCKRIDGE DRIVE SUITE 400 BETHESDA, MD 20817 | DELTA DENTAL OF NEW JERSEY INC. | $1K | — | $1K | 1.35% |
| CAMBRIDGE LIFE BROKERAGE LLC3 | 875 AVENUE OF THE AMERICAS 350 FIFTH AVENUE, SUITE 1010 NEW YORK, NY 10001 | UNUM LIFE INSURANCE COMPANY | $4K | $171 | $4K | 12.64% |
| ARMFIELD HARRISON & THOMAS3 Filed as: ARMFIELD, HARRISON & THOMAS | 6720 B ROCKRIDGE DRIVE SUITE 400 BETHESDA, MD 20817 | UNUM LIFE INSURANCE COMPANY | $2K | $71 | $2K | 5.38% |
| DONALD C SAVOY INC3 | 25 HANOVER RD # B SUITE 220 FLORHAM PARK, NJ 07932 | UNUM LIFE INSURANCE COMPANY | $1K | — | $1K | 3.37% |
| CAMBRIDGE LIFE BROKERAGE LLC3 | 875 AVENUE OF THE AMERICAS 350 FIFTH AVENUE, SUITE 1010 NEW YORK, NY 10001 | UNUM LIFE INSURANCE COMPANY | $3K | $137 | $3K | 12.28% |
| ARMFIELD HARRISON & THOMAS3 | 6720 B ROCKRIDGE DRIVE SUITE 400 BETHESDA, MD 20817 | UNUM LIFE INSURANCE COMPANY | $1K | $64 | $1K | 5.86% |
| DONALD C SAVOY INC3 | 25 HANOVER RD # B SUITE 220 FLORHAM PARK, NJ 07932 | UNUM LIFE INSURANCE COMPANY | $915 | — | $915 | 3.67% |
| CAMBRIDGE LIFE BROKERAGE LLC3 | 875 AVENUE OF THE AMERICAS 350 FIFTH AVENUE, SUITE 1010 NEW YORK, NY 10001 | EYEMED VISION CARE | $528 | — | $528 | 6.76% |
| THE CAPITAL GROUP LLC3 Filed as: THE CAPITAL GROUP | 6720 B ROCKRIDGE DRIVE SUITE 400 BETHESDA, MD 20817 | EYEMED VISION CARE | $255 | — | $255 | 3.26% |
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 | 83 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 83 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 69 | $476K |
| Dental | DELTA DENTAL OF NEW JERSEY INC. | 83 | $83K |
| Vision | EYEMED VISION CARE | 118 | $8K |
| Life insurance | UNUM LIFE INSURANCE COMPANY | 96 | $30K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY | 96 | $30K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY | 96 | $55K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 118 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.