| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF NEW JERSEY LLC | 20 COMMERCE DR STE 200 CRANFORD, NJ 07016 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $3K | $58K | $61K | 5.08% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | 718 RIVER RD FAIR HAVEN, NJ 07704 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $25K | $25K | 2.08% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF NEW JERSEY LLC | 20 COMMERCE DR STE 200 CRANFORD, NJ 07016 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $17 | $6K | 12.23% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PKWY W STE 320 BLDG16 BLUE BELL, PA 19422 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $564 | $2K | 3.73% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF NEW JERSEY LLC | 20 COMMERCE DR STE 200 CRANFORD, NJ 07016 | METROPOLITAN LIFE INSURANCE COMPANY | $777 | $17 | $794 | 5.55% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PKWY STE 320 BLDG 16 BLUE BELL, PA 19422 | METROPOLITAN LIFE INSURANCE COMPANY | $605 | $141 | $746 | 5.22% |
| LIAZON BENEFITS INC3 Filed as: LIAZON BENEFITS INC. | 199 SCOTT ST FL 8 BUFFALO, NY 14204 | METROPOLITAN LIFE INSURANCE COMPANY | — | $4 | $4 | 0.03% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF NEW JERSEY LLC | 20 COMMERCE DR STE 200 CRANFORD, NJ 07016 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $17 | $1K | 16.13% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PKWY W STE 320 BLDG 16 BLUE BELL, PA 19422 | METROPOLITAN LIFE INSURANCE COMPANY | $434 | $108 | $542 | 6.17% |
| LIAZON BENEFITS INC3 Filed as: LIAZON BENEFITS INC. | 199 SCOTT ST FL 8 BUFFALO, NY 14204 | METROPOLITAN LIFE INSURANCE COMPANY | — | $50 | $50 | 0.57% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA EIN 59-1031071 MEDICAL/DENTAL ADMIN FEES | Claims processing; Contract Administrator Service code 12 | — | $62K |
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 | 125 | 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) | 125 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 109 | $1.2M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 109 | $1.2M |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 125 | $48K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 125 | $48K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 125 | $48K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 125 | $48K |
| Other(3 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 125 | $71K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 125 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.