| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSURANCE & INVESTMENT ADVISORY GRP3 Filed as: INSURANCE & INVESTMENT ADVISORY GRO | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $157K | — | $157K | 11.68% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS(NJ) | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $48K | $48K | 3.57% |
| FIDUCIARY INTERMEDIARY LTD3 Filed as: FIDUCIARY INTERMEDIARY LTD. | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $15K | $15K | 1.13% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER-TIFFANY BENEFITS CO | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | -$431 | -$431 | -0.03% |
| INSURANCE & INVESTMENT ADVISORY GRP3 | 506 CARNEGIE CENTER SUITE 400 PRINCETON, NJ 08540 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $24K | — | $24K | 6.69% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS(NJ) | 354 EISENHOWER PARKWAY SUITE 2850 LIVINGSTON, NJ 07039 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | — | $8K | $8K | 2.31% |
| FIDUCIARY INTERMEDIARY LTD3 | 660 WHITE PLAINS ROAD SUITE 115 TARRYTOWN, NY 10591 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | — | $4K | $4K | 1.16% |
| INSURANCE & INVESTMENT AD3 | 506 CARNEGIE CENTER SUITE 400 PRINCETON, NJ 08540 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 10.00% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER-TIFFANY BENEFITS | 899 CASSATT ROAD 400 BERWYN PARK SUITE 200 BERWYN, PA 19312 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $611 | — | $611 | 2.23% |
| INSURANCE & INVESTMENT AD3 | 506 CARNEGIE CENTER SUITE 400 PRINCETON, NJ 08540 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 10.00% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER-TIFFANY BENEFITS | 899 CASSATT ROAD 400 BERWYN PARK SUITE 200 BERWYN, PA 19312 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $554 | — | $554 | 2.23% |
| INSURANCE & INVESTMENT AD3 | 506 CARNEGIE CENTER SUITE 400 PRINCETON, NJ 08540 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 10.00% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER-TIFFANY BENEFITS | 899 CASSATT ROAD 400 BERWYN PARK SUITE 200 BERWYN, PA 19312 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $331 | — | $331 | 2.05% |
| INSURANCE & INVESTMENT AD3 | 506 CARNEGIE CENTER SUITE 400 PRINCETON, NJ 08540 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $149 | — | $149 | 9.99% |
| KISTLER TIFFANY BENEFITS3 Filed as: KISTLER-TIFFANY BENEFITS | 899 CASSATT ROAD 400 BERWYN PARK SUITE 200 BERWYN, PA 19312 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $32 | — | $32 | 2.15% |
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 | 667 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 30 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 36 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 733 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 384 | $353K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 384 | $353K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 65 | $16K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 341 | $25K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 341 | $27K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 374 | $1.3M |
| Other(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 65 | $18K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 384 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.