| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 | 600 SYLVAN AVE STE 301 ENGLEWOOD CLIFFS, NJ 07632 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $9K | — | $9K | 4.17% |
| PROFESSIONAL GROUP MARKETING INC3 | 50 BROADWAY HAWTHORNE, NY 10532 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | — | $8K | $8K | 3.54% |
| WORLDWIDE CONSULTING SERVICE3 | 910 FIFTH AVENUE, 4A NEW YORK, NY 10021 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $6K | — | $6K | 2.78% |
| ASHTON BENEFITS3 | 600 SYLVAN AVE STE 301 ENGLEWOOD CLIFFS, NJ 07632 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | — | $892 | $892 | 0.41% |
| ACRISURE LLC3 | 600 SYLVAN AVE STE 301 ENGLEWOOD CLIFFS, NJ 07632 | CIGNA DENTAL HEALTH OF NEW JERSEY, INC. | $477 | — | $477 | 4.20% |
| PROFESSIONAL GROUP MARKETING INC3 Filed as: PROFESSIONAL GROUP MARKETING, INC | 50 BROADWAY HAWTHORNE, NY 10532 | CIGNA DENTAL HEALTH OF NEW JERSEY, INC. | — | $454 | $454 | 4.00% |
| WORLDWIDE CONSULTING SERVICE3 | 910 FIFTH AVENUE, 4A NEW YORK, NY 10021 | CIGNA DENTAL HEALTH OF NEW JERSEY, INC. | $318 | — | $318 | 2.80% |
| ACRISURE LLC3 | 600 SYLVAN AVE STE 301 ENGLEWOOD CLIFFS, NJ 07632 | CIGNA HEALTHCARE OF CONNECTICUT, INC | $81 | — | $81 | 4.22% |
| PROFESSIONAL GROUP MARKETING INC3 | 50 BROADWAY HAWTHORNE, NY 10532 | CIGNA HEALTHCARE OF CONNECTICUT, INC | — | $77 | $77 | 4.01% |
| WORLDWIDE CONSULTING SERVICE3 | 910 FIFTH AVENUE, 4A NEW YORK, NY 10021 | CIGNA HEALTHCARE OF CONNECTICUT, INC | $54 | — | $54 | 2.81% |
| ACRISURE LLC3 | 600 SYLVAN AVE STE 301 ENGLEWOOD CLIFFS, NJ 07632 | CIGNA DENTAL HEALTH OF PENNSYLVANIA, INC. | $81 | — | $81 | 4.22% |
| PROFESSIONAL GROUP MARKETING INC3 | 50 BROADWAY HAWTHORNE, NY 10532 | CIGNA DENTAL HEALTH OF PENNSYLVANIA, INC. | — | $77 | $77 | 4.01% |
| WORLDWIDE CONSULTING SERVICE3 | 910 FIFTH AVENUE, 4A NEW YORK, NY 10021 | CIGNA DENTAL HEALTH OF PENNSYLVANIA, INC. | $54 | — | $54 | 2.81% |
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 | 235 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 235 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(4 contracts, 4 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 257 | $231K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 257 | $216K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 257 | — |
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.