| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW JERSEY, INC. | PO BOX 416315 BOSTON, MA 02241 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $530K | — | $530K | 23.61% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW JERSEY, INC. | 150 JOHN F. KENNEDY PARKWAY SUITE 520, PO BOX 5002 SHORT HILLS, NJ 07078 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | — | $7K | $7K | 0.31% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW JERSEY INC. | PO BOX 416315 BOSTON, MA 02241 | AETNA LIFE INSURANCE CO. | $24K | $13K | $37K | 3.69% |
| LIAZON BENEFITS INC3 Filed as: LIAZON BENEFITS INC. | 199 SCOTT STREET 8TH FLOOR BUFFALO, NY 14204 | AETNA LIFE INSURANCE CO. | $28K | — | $28K | 2.76% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW JERSEY INC. | PO BOX 416315 BOSTON, MA 02241 | METROPOLITAN LIFE INSURANCE COMPANY | $77K | $14K | $91K | 11.81% |
| LIAZON BENEFITS INC5 Filed as: LIAZON BENEFITS INC. | 199 SCOTT ST, FL. 8 BUFFALO, NY 14204 | METROPOLITAN LIFE INSURANCE COMPANY | — | $35K | $35K | 4.51% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW JERSEY INC. | 10000 MIDLANTIC DRIVE SUITE 200 EAST MOUNT LAUREL, NJ 08054 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $16K | $5K | $21K | 13.39% |
| LIAZON BENEFITS INC3 Filed as: LIAZON BENEFITS INC. | 199 SCOTT STREET, 8TH FLOOR BUFFALO, NY 14204 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 5.00% |
| PETRONE ASSOCIATES, INC3 Filed as: PETRONE ASSOCIATES, INC. | 508 CARNEGIE CENTER, STE 102 PRINCETON, NJ 08540 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $75 | — | $75 | 0.05% |
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 | 2,238 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,244 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 3,343 | $2.2M |
| Dental | AETNA LIFE INSURANCE CO. | 3,506 | $1.0M |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,358 | $158K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 0 | $775K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 0 | $775K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 3,343 | $2.2M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 0 | $775K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,506 | — |
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.