| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF NEW JERSEY LLC | 20 COMMERCE DRIVE SUITE 200 CRANFORD, NJ 07016 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $4K | $84K | $87K | 6.34% |
| EMERSON REID LLC3 Filed as: EMERSON REID & COMPANY, INC. | 1787 SENTRY PARKWAY WEST VEVA 16 SUITE 320 BLUE BELL, PA 19422 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $32K | $32K | 2.30% |
| LIAZON BENEFITS INC3 | 199 SCOTT STREET 8TH FLOOR BUFFALO, NY 14204 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $239 | $239 | 0.02% |
| DONALD C SAVOY INC3 Filed as: DONALD F LAPENNA ASSOC | PO BOX 1868 CRANFORD, NJ 07016 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | -$462 | -$9K | -$10K | -0.71% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO INC | 1787 SENTRY PARKWAY WEST SUITE 320 BUILDING 16 BLUE BELL, PA 19422 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 4.09% |
| DONALD LAPENNA ASSOC3 Filed as: DONALD F LAPENNA ASSOCIATES INC | 20 COMMERCE DRIVE SUITE 303 CRANFORD, NJ 07016 | METROPOLITAN LIFE INSURANCE COMPANY | $336 | — | $336 | 0.69% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF NEW JERSEY LLC | 20 COMMERCE DRIVE SUITE 200 CRANFORD, NJ 07016 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $3K | — | $3K | 9.96% |
| EMERSON REID LLC3 Filed as: EMERSON REID & COMPANY, INC. | 1787 SENTRY PARKWAY WEST VEVA 16 SUITE 320 BLUE BELL, PA 19422 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | — | $1K | $1K | 4.01% |
| LIAZON BENEFITS INC3 | 199 SCOTT STREET 8TH FLOOR BUFFALO, NY 14204 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | — | $143 | $143 | 0.48% |
| DONALD C SAVOY INC3 Filed as: DONALD F LAPENNA ASSOC | PO BOX 1868 CRANFORD, NJ 07016 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $13 | $9 | $22 | 0.07% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF NEW JERSEY LLC | 20 COMMERCE DRIVE SUITE 200 CRANFORD, NJ 07016 | METROPOLITAN LIFE INSURANCE COMPANY | $921 | $16 | $937 | 5.06% |
| LIAZON BENEFITS INC3 | 199 SCOTT STREET FLOOR 8 BUFFALO, NY 14204 | METROPOLITAN LIFE INSURANCE COMPANY | — | $695 | $695 | 3.75% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO INC | 1787 SENTRY PARKWAY WEST SUITE 320 BUILDING 16 BLUE BELL, PA 19422 | METROPOLITAN LIFE INSURANCE COMPANY | $236 | — | $236 | 1.27% |
| LIAZON BENEFITS INC3 | 199 SCOTT STREET FLOOR 8 BUFFALO, NY 14204 | METROPOLITAN LIFE INSURANCE COMPANY | — | $206 | $206 | 1.11% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF NEW JERSEY LLC | 20 COMMERCE DRIVE SUITE 200 CRANFORD, NJ 07016 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $16 | $2K | 13.20% |
| LIAZON BENEFITS INC3 | 199 SCOTT STREET FLOOR 8 BUFFALO, NY 14204 | METROPOLITAN LIFE INSURANCE COMPANY | — | $849 | $849 | 4.95% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF NEW JERSEY LLC | 20 COMMERCE DRIVE SUITE 200 CRANFORD, NJ 07016 | CIGNA DENTAL HEALTH OF NEW JERSEY, INC. | $2K | — | $2K | 9.95% |
| EMERSON REID LLC3 Filed as: EMERSON REID & COMPANY, INC. | 1787 SENTRY PARKWAY WEST VEVA 16 SUITE 320 BLUE BELL, PA 19422 | CIGNA DENTAL HEALTH OF NEW JERSEY, INC. | — | $636 | $636 | 4.00% |
| LIAZON BENEFITS INC3 | 199 SCOTT STREET 8TH FLOOR BUFFALO, NY 14204 | CIGNA DENTAL HEALTH OF NEW JERSEY, INC. | — | $73 | $73 | 0.46% |
| DONALD C SAVOY INC3 Filed as: DONALD F LAPENNA ASSOC | PO BOX 1868 CRANFORD, NJ 07016 | CIGNA DENTAL HEALTH OF NEW JERSEY, INC. | $7 | — | $7 | 0.04% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF NEW JERSEY LLC | 20 COMMERCE DRIVE SUITE 200 CRANFORD, NJ 07016 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $16 | $2K | 14.04% |
| LIAZON BENEFITS INC3 | 199 SCOTT STREET FLOOR 8 BUFFALO, NY 14204 | METROPOLITAN LIFE INSURANCE COMPANY | — | $456 | $456 | 3.55% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO INC | 1787 SENTRY PARKWAY WEST SUITE 320 BUILDING 16 BLUE BELL, PA 19422 | METROPOLITAN LIFE INSURANCE COMPANY | $140 | — | $140 | 1.09% |
| LIAZON BENEFITS INC3 | 199 SCOTT STREET FLOOR 8 BUFFALO, NY 14204 | METROPOLITAN LIFE INSURANCE COMPANY | — | $104 | $104 | 0.81% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF NEW JERSEY LLC | 20 COMMERCE DRIVE SUITE 200 CRANFORD, NJ 07016 | CIGNA DENTAL HEALTH OF PENNSYLVANIA, INC. | $382 | — | $382 | 9.97% |
| EMERSON REID LLC3 Filed as: EMERSON REID & COMPANY, INC. | 1787 SENTRY PARKWAY WEST VEVA 16 SUITE 320 BLUE BELL, PA 19422 | CIGNA DENTAL HEALTH OF PENNSYLVANIA, INC. | — | $153 | $153 | 3.99% |
| LIAZON BENEFITS INC3 | 199 SCOTT STREET 8TH FLOOR BUFFALO, NY 14204 | CIGNA DENTAL HEALTH OF PENNSYLVANIA, INC. | — | $18 | $18 | 0.47% |
| DONALD C SAVOY INC3 Filed as: DONALD F LAPENNA ASSOC | PO BOX 1868 CRANFORD, NJ 07016 | CIGNA DENTAL HEALTH OF PENNSYLVANIA, INC. | $2 | — | $2 | 0.05% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF NEW JERSEY LLC | 20 COMMERCE DRIVE SUITE 200 CRANFORD, NJ 07016 | CIGNA DENTAL HEALTH OF FLORIDA, INC. | $214 | — | $214 | 9.95% |
| EMERSON REID LLC3 Filed as: EMERSON REID & COMPANY, INC. | 1787 SENTRY PARKWAY WEST VEVA 16 SUITE 320 BLUE BELL, PA 19422 | CIGNA DENTAL HEALTH OF FLORIDA, INC. | — | $86 | $86 | 4.00% |
| LIAZON BENEFITS INC3 | 199 SCOTT STREET 8TH FLOOR BUFFALO, NY 14204 | CIGNA DENTAL HEALTH OF FLORIDA, INC. | — | $10 | $10 | 0.47% |
| DONALD C SAVOY INC3 Filed as: DONALD F LAPENNA ASSOC | PO BOX 1868 CRANFORD, NJ 07016 | CIGNA DENTAL HEALTH OF FLORIDA, INC. | $1 | — | $1 | 0.05% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF NEW JERSEY LLC | 20 COMMERCE DRIVE SUITE 200 CRANFORD, NJ 07016 | CIGNA DENTAL HEALTH OF TEXAS, INC. | $191 | — | $191 | 9.97% |
| EMERSON REID LLC3 Filed as: EMERSON REID & COMPANY, INC. | 1787 SENTRY PARKWAY WEST VEVA 16 SUITE 320 BLUE BELL, PA 19422 | CIGNA DENTAL HEALTH OF TEXAS, INC. | — | $77 | $77 | 4.02% |
| LIAZON BENEFITS INC3 | 199 SCOTT STREET 8TH FLOOR BUFFALO, NY 14204 | CIGNA DENTAL HEALTH OF TEXAS, INC. | — | $9 | $9 | 0.47% |
| DONALD C SAVOY INC3 Filed as: DONALD F LAPENNA ASSOC | PO BOX 1868 CRANFORD, NJ 07016 | CIGNA DENTAL HEALTH OF TEXAS, INC. | $1 | — | $1 | 0.05% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF NEW JERSEY LLC | 20 COMMERCE DRIVE SUITE 200 CRANFORD, NJ 07016 | CIGNA DENTAL HEALTH OF CALIFORNIA, INC. | $168 | — | $168 | 9.98% |
| EMERSON REID LLC3 Filed as: EMERSON REID & COMPANY, INC. | 1787 SENTRY PARKWAY WEST VEVA 16 SUITE 320 BLUE BELL, PA 19422 | CIGNA DENTAL HEALTH OF CALIFORNIA, INC. | — | $67 | $67 | 3.98% |
| LIAZON BENEFITS INC3 | 199 SCOTT STREET 8TH FLOOR BUFFALO, NY 14204 | CIGNA DENTAL HEALTH OF CALIFORNIA, INC. | — | $8 | $8 | 0.48% |
| DONALD C SAVOY INC3 Filed as: DONALD F LAPENNA ASSOC | PO BOX 1868 CRANFORD, NJ 07016 | CIGNA DENTAL HEALTH OF CALIFORNIA, INC. | $1 | — | $1 | 0.06% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF NEW JERSEY LLC | 20 COMMERCE DRIVE SUITE 200 CRANFORD, NJ 07016 | CIGNA DENTAL HEALTH OF MARYLAND, INC. | $130 | — | $130 | 9.93% |
| EMERSON REID LLC3 Filed as: EMERSON REID & COMPANY, INC. | 1787 SENTRY PARKWAY WEST VEVA 16 SUITE 320 BLUE BELL, PA 19422 | CIGNA DENTAL HEALTH OF MARYLAND, INC. | — | $52 | $52 | 3.97% |
| LIAZON BENEFITS INC3 | 199 SCOTT STREET 8TH FLOOR BUFFALO, NY 14204 | CIGNA DENTAL HEALTH OF MARYLAND, INC. | — | $6 | $6 | 0.46% |
| DONALD C SAVOY INC3 Filed as: DONALD F LAPENNA ASSOC | PO BOX 1868 CRANFORD, NJ 07016 | CIGNA DENTAL HEALTH OF MARYLAND, INC. | $1 | — | $1 | 0.08% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF NEW JERSEY LLC | 20 COMMERCE DRIVE SUITE 200 CRANFORD, NJ 07016 | CIGNA DENTAL HEALTH OF ILLINOIS, INC. | $112 | — | $112 | 9.98% |
| EMERSON REID LLC3 Filed as: EMERSON REID & COMPANY, INC. | 1787 SENTRY PARKWAY WEST VEVA 16 SUITE 320 BLUE BELL, PA 19422 | CIGNA DENTAL HEALTH OF ILLINOIS, INC. | — | $45 | $45 | 4.01% |
| LIAZON BENEFITS INC3 | 199 SCOTT STREET 8TH FLOOR BUFFALO, NY 14204 | CIGNA DENTAL HEALTH OF ILLINOIS, INC. | — | $5 | $5 | 0.45% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF NEW JERSEY LLC | 20 COMMERCE DRIVE SUITE 200 CRANFORD, NJ 07016 | CIGNA DENTAL HEALTH OF VIRGINIA, INC. | $107 | — | $107 | 9.95% |
| EMERSON REID LLC3 Filed as: EMERSON REID & COMPANY, INC. | 1787 SENTRY PARKWAY WEST VEVA 16 SUITE 320 BLUE BELL, PA 19422 | CIGNA DENTAL HEALTH OF VIRGINIA, INC. | — | $43 | $43 | 4.00% |
| LIAZON BENEFITS INC3 | 199 SCOTT STREET 8TH FLOOR BUFFALO, NY 14204 | CIGNA DENTAL HEALTH OF VIRGINIA, INC. | — | $5 | $5 | 0.47% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF NEW JERSEY LLC | 20 COMMERCE DRIVE SUITE 200 CRANFORD, NJ 07016 | CIGNA DENTAL HEALTH OF KANSAS, INC. | $88 | — | $88 | 9.91% |
| EMERSON REID LLC3 Filed as: EMERSON REID & COMPANY, INC. | 1787 SENTRY PARKWAY WEST VEVA 16 SUITE 320 BLUE BELL, PA 19422 | CIGNA DENTAL HEALTH OF KANSAS, INC. | — | $36 | $36 | 4.05% |
| LIAZON BENEFITS INC3 | 199 SCOTT STREET 8TH FLOOR BUFFALO, NY 14204 | CIGNA DENTAL HEALTH OF KANSAS, INC. | — | $4 | $4 | 0.45% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF NEW JERSEY LLC | 20 COMMERCE DRIVE SUITE 200 CRANFORD, NJ 07016 | CIGNA DENTAL HEALTH OF OHIO, INC. | $19 | — | $19 | 10.16% |
| EMERSON REID LLC3 Filed as: EMERSON REID & COMPANY, INC. | 1787 SENTRY PARKWAY WEST VEVA 16 SUITE 320 BLUE BELL, PA 19422 | CIGNA DENTAL HEALTH OF OHIO, INC. | — | $7 | $7 | 3.74% |
| LIAZON BENEFITS INC3 | 199 SCOTT STREET 8TH FLOOR BUFFALO, NY 14204 | CIGNA DENTAL HEALTH OF OHIO, INC. | — | $1 | $1 | 0.53% |
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 | 163 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 5 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 169 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 155 | $1.4M |
| Dental(16 contracts, 16 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 155 | $1.4M |
| Vision(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 152 | $66K |
| Life insurance(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 152 | $66K |
| Short-term disability(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 152 | $66K |
| Long-term disability(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 152 | $66K |
| Other(4 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 152 | $97K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 155 | — |
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."
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.