| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW JERSEY INC. | PO BOX 5002 SHORT HILLS, NJ 07078 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $22K | — | $22K | 0.99% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $446 | $446 | 0.02% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW JERSEY INC | PO BOX 416315 BOSTON, MA 02241 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $62K | — | $62K | 21.94% |
| EMPYREAN INSURANCE SERVICES, INC.3 Filed as: EMPYREAN BENEFIT SOLUTIONS, INC | 3010 BRIARPARK DRIVE STE 8000 HOUSTON, TX 77042 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $9K | $9K | 3.29% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW JERSEY INC | PO BOX 416315 BOSTON, MA 02241 | AETNA LIFE INSURANCE CO. | $2K | — | $2K | 1.12% |
| EMPYREAN BENEFITS3 Filed as: EMPYREAN BENEFIT SOULTIONS, INC | 3010 BRIARPARK DR SUITE 800 HOUSTON, TX 77042 | METROPOLITAN GENERAL INSURANCE COMPANY | — | $8K | $8K | 14.76% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW JERSEY | PO BOX 416315 BOSTON, MA 02241 | METROPOLITAN GENERAL INSURANCE COMPANY | $6K | — | $6K | 11.14% |
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 | 1,909 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 106 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 42 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 2,057 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA LIFE INSURANCE CO. | 646 | $154K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 2,006 | $2.2M |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 2,006 | $2.2M |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 2,006 | $2.2M |
| Other(3 contracts, 3 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 2,006 | $2.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,006 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.