| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INNOVATIVE RISK SOLUTIONS3 | 3330 BARGAINTOWN RD SUITE 2 EGG HARBOR TWP, NJ 08234 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $57K | — | $57K | 10.46% |
| KISTLER TIFFANY BENEFITS3 | 899 CASSATT ROAD SUITE 200 BERWYN, PA 19312 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $25K | $25K | 4.51% |
| INNOVATIVE RISK SOLUTIONS3 | 3330 BARGAINTOWN RD SUITE 2 EGG HARBOR TWP, NJ 08234 | CIGNA HEALTH & LIFE INSURANCE COMPANY AND AFFILIATES (CIGNA) | $9K | $2K | $11K | 12.09% |
| KISTLER TIFFANY BENEFITS3 | 899 CASSATT ROAD SUITE 200 BERWYN, PA 19312 | CIGNA HEALTH & LIFE INSURANCE COMPANY AND AFFILIATES (CIGNA) | — | $4K | $4K | 3.95% |
| INNOVATIVE RISK SOLUTIONS3 | 3330 BARGAINTOWN RD SUITE 2 EGG HARBOR TWP, NJ 08234 | LIFE INSURANCE COMPANY OF AMERICA | $5K | $1K | $6K | 18.17% |
| INNOVATIVE RISK SOLUTIONS3 | 3330 BARGAINTOWN RD SUITE 2 EGG HARBOR TWP, NJ 08234 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $770 | $4K | 18.12% |
| INNOVATIVE RISK SOLUTIONS3 | 3330 BARGAINTOWN RD SUITE 2 EGG HARBOR TWP, NJ 08234 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $546 | $3K | 18.17% |
| INNOVATIVE RISK SOLUTIONS3 | 3330 BARGAINTOWN RD SUITE 2 EGG HARBOR TWP, NJ 08234 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $215 | $38 | $253 | 17.59% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE COM EIN 59-1031071 | Participant communication; Named fiduciary; Contract Administrator; Claims processing; Other services; Float revenue; Direct payment from the plan; Non-monetary compensation Service code 12 | 1601 CHESTNUT ST PHILADELPHIA, PA 19192 | $20K |
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. |
| Total participants (= "Plan participants" tile) | 163 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 136 | $548K |
| Dental | CIGNA HEALTH & LIFE INSURANCE COMPANY AND AFFILIATES (CIGNA) | 131 | $90K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 163 | $25K |
| Short-term disability | LIFE INSURANCE COMPANY OF AMERICA | 135 | $33K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 135 | $17K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 163 | $1K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 163 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.