| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CAMBRIDGE LIFE BROKERAGE LLC3 | 44 WASHINGTON ST UNIT 1099 MORRISTOWN, NJ 07960 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $44K | $2K | $47K | 13.58% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | 1787 SENTRY PKWY VEVA 16,, SUITE 320 BLUE BELL, PA 19422 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $18K | $18K | 5.14% |
| CAMBRIDGE LIFE BROKERAGE LLC3 | 44 WASHINGTON ST #1099 MORRISTOWN, NJ 07960 | DELTA DENTAL OF NEW JERSEY, INC. | $6K | — | $6K | 10.00% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1305 WALK WHITMAN ROAD SUITE 310 MELVILLE, NY 11747 | DELTA DENTAL OF NEW JERSEY, INC. | $2K | — | $2K | 2.78% |
| CAMBRIDGE LIFE BROKERAGE LLC3 | 65 MADISON AVE SUITE 200 MORRISTOWN, NJ 07960 | SUN LIFE ASSURANCE OF CANADA | $5K | — | $5K | 15.00% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PKWY W VEVA 16SUITE 320 BLUE BELL, PA 19422 | SUN LIFE ASSURANCE OF CANADA | $2K | $1K | $3K | 8.37% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PKWY W VEVA 16, SUITE 320 BLUE BELL, PA 19422 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | $493 | $4K | 186.82% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 SERVICE PROVIDER | Direct payment from the plan; Insurance services Service code 23 | — | $67K |
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 | 122 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 122 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 112 | $345K |
| Dental | DELTA DENTAL OF NEW JERSEY, INC. | 96 | $61K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 94 | $2K |
| Long-term disability | SUN LIFE ASSURANCE OF CANADA | 122 | $33K |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE OF CANADA | 122 | $35K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 122 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.