| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CAMBRIDGE LIFE BROKERAGE LLC3 | 1 COPPERFIELD WAY MORRISTOWN, NJ 07960 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $24K | $949 | $25K | 4.00% |
| SAVOY ASSOCIATES3 Filed as: DONALD SAVOY | ROUND TABLE STUDIOS, SUITE 1000 200 CONNELL DRIVE BERKELEY HEIGHTS, NJ 14747 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $25K | — | $25K | 3.93% |
| SAVOY ASSOCIATES3 Filed as: DONALD SAVOY | ROUND TABLE STUDIOS, SUITE 1000 200 CONNELL DRIVE BERKELEY HEIGHTS, NJ 07922 | DELTA DENTAL OF NEW JERSEY | $4K | — | $4K | 4.60% |
| CAMBRIDGE LIFE BROKERAGE LLC3 | 875 AVENUE OF THE AMERICAS 350 FIFTH AVENUE, SUITE 801 NEW YORK, NY 10001 | DELTA DENTAL OF NEW JERSEY | $4K | — | $4K | 4.37% |
| EMERSON REID LLC3 | 1305 WALK WHITMAN ROAD SUITE 310 MELVILLE, NY 11747 | DELTA DENTAL OF NEW JERSEY | $325 | — | $325 | 0.40% |
| CAMBRIDGE LIFE BROKERAGE LLC3 | 24 MERKEL DR BLOOMFIELD, NY 07003 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $276 | $6K | 18.25% |
| EMERSON REID LLC3 | 1787 SENTRY PARKWAY SUITE 320 BLUE BELL, PA 19422 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $152 | — | $152 | 0.45% |
| CAMBRIDGE LIFE BROKERAGE LLC3 | 1 COPPERFIELD WAY MORRISTOWN, NJ 07960 | EYEMED VISION CARE | $826 | — | $826 | 10.09% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE COM EIN 59-1031071 SERVICE PROVIDER | Non-monetary compensation; Claims processing; Other services; Contract Administrator; Direct payment from the plan; Participant communication; Named fiduciary Service code 12 | 900 COTTAGE GROVE ROAD BLOOMFIELD, CT 06002 | $16K |
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 | 106 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 106 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 79 | $624K |
| Dental | DELTA DENTAL OF NEW JERSEY | 87 | $82K |
| Vision | EYEMED VISION CARE | 119 | $8K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 106 | $34K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 106 | $59K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 119 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.