| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GREATER METRO AGENCY INC3 | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | — | $8K | $8K | 0.78% |
| FNA INSURANCE SERVICES INC3 | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | — | $3K | $3K | 0.28% |
| INSURANCE & INVESTMENT ADVISORY GRP3 | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $2K | — | $2K | 0.23% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CE NTERSTONE INS | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | — | $45 | $45 | 0.00% |
| INSURANCE & INVESTMENT AD3 | 506 CARNEGIE CENTER SUITE 400 PRINCETON, NJ 08540 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 15.00% |
| BENEFITMALL3 | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $826 | $826 | 5.00% |
| INSURANCE & INVESTMENT AD3 | 506 CARNEGIE CENTER SUITE 400 PRINCETON, NJ 08540 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 15.00% |
| BENEFITMALL3 | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $753 | $753 | 5.00% |
| INSURANCE & INVESTMENT ADVISORY GRP3 | — | CIGNA DENTAL HEALTH OF NEW JERSEY, INC. | $561 | — | $561 | 6.54% |
| GREATER METRO AGENCY INC3 | — | CIGNA DENTAL HEALTH OF NEW JERSEY, INC. | — | $236 | $236 | 2.75% |
| FNA INSURANCE SERVICES INC3 | — | CIGNA DENTAL HEALTH OF NEW JERSEY, INC. | — | $83 | $83 | 0.97% |
| INSURANCE & INVESTMENT AD3 | 506 CARNEGIE CENTER SUITE 400 PRINCETON, NJ 08540 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 15.00% |
| BENEFITMALL3 | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $392 | $392 | 5.00% |
| DESARNO BENEFITS LLC3 | 729 RAYMERE AVENUE INTERLAKEN, NJ 07712 | AFLAC | $995 | — | $995 | 25.86% |
| JOHN T CAPOZZI3 | 242 WICKERBERRY DRIVE MIDDLETOWN, DE 19709 | AFLAC | $106 | — | $106 | 2.75% |
| INSURANCE & INVESTMENT AD3 | 506 CARNEGIE CENTER SUITE 400 PRINCETON, NJ 08540 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $116 | — | $116 | 15.03% |
| BENEFITMALL3 | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $39 | $39 | 5.05% |
| INSURANCE & INVESTMENT ADVISORY GRP3 | — | CIGNA DENTAL HEALTH OF NORTH CAROLINA, INC. | $28 | — | $28 | 6.13% |
| GREATER METRO AGENCY INC3 | — | CIGNA DENTAL HEALTH OF NORTH CAROLINA, INC. | — | $12 | $12 | 2.63% |
| FNA INSURANCE SERVICES INC3 | — | CIGNA DENTAL HEALTH OF NORTH CAROLINA, INC. | — | $4 | $4 | 0.88% |
| INSURANCE & INVESTMENT ADVISORY GRP3 | — | CIGNA DENTAL HEALTH OF OHIO, INC. | $25 | — | $25 | 7.29% |
| GREATER METRO AGENCY INC3 | — | CIGNA DENTAL HEALTH OF OHIO, INC. | — | $10 | $10 | 2.92% |
| FNA INSURANCE SERVICES INC3 | — | CIGNA DENTAL HEALTH OF OHIO, INC. | — | $4 | $4 | 1.17% |
| INSURANCE & INVESTMENT ADVISORY GRP3 | — | CIGNA DENTAL HEALTH OF KANSAS, INC. | $13 | — | $13 | 3.79% |
| GREATER METRO AGENCY INC3 | — | CIGNA DENTAL HEALTH OF KANSAS, INC. | — | $6 | $6 | 1.75% |
| FNA INSURANCE SERVICES INC3 | — | CIGNA DENTAL HEALTH OF KANSAS, INC. | — | $2 | $2 | 0.58% |
| INSURANCE & INVESTMENT ADVISORY GRP3 | — | CIGNA DENTAL HEALTH OF ILLINOIS, INC. | $22 | — | $22 | 6.41% |
| GREATER METRO AGENCY INC3 | — | CIGNA DENTAL HEALTH OF ILLINOIS, INC. | — | $9 | $9 | 2.62% |
| FNA INSURANCE SERVICES INC3 | — | CIGNA DENTAL HEALTH OF ILLINOIS, INC. | — | $3 | $3 | 0.87% |
| INSURANCE & INVESTMENT ADVISORY GRP3 | — | CIGNA DENTAL HEALTH OF MISSOURI, INC. | $13 | — | $13 | 5.68% |
| GREATER METRO AGENCY INC3 | — | CIGNA DENTAL HEALTH OF MISSOURI, INC. | — | $6 | $6 | 2.62% |
| FNA INSURANCE SERVICES INC3 | — | CIGNA DENTAL HEALTH OF MISSOURI, INC. | — | $2 | $2 | 0.87% |
| INSURANCE & INVESTMENT ADVISORY GRP3 | — | CIGNA DENTAL HEALTH OF PENNSYLVANIA, INC. | $17 | — | $17 | 7.42% |
| GREATER METRO AGENCY INC3 | — | CIGNA DENTAL HEALTH OF PENNSYLVANIA, INC. | — | $7 | $7 | 3.06% |
| FNA INSURANCE SERVICES INC3 | — | CIGNA DENTAL HEALTH OF PENNSYLVANIA, INC. | — | $3 | $3 | 1.31% |
| INSURANCE & INVESTMENT ADVISORY GRP3 | — | CIGNA DENTAL HEALTH OF FLORIDA, INC. | $18 | — | $18 | 7.86% |
| GREATER METRO AGENCY INC3 | — | CIGNA DENTAL HEALTH OF FLORIDA, INC. | — | $8 | $8 | 3.49% |
| FNA INSURANCE SERVICES INC3 | — | CIGNA DENTAL HEALTH OF FLORIDA, INC. | — | $3 | $3 | 1.31% |
| INSURANCE & INVESTMENT ADVISORY GRP3 | — | CIGNA DENTAL HEALTH OF TEXAS, INC. | $8 | — | $8 | 7.02% |
| GREATER METRO AGENCY INC3 | — | CIGNA DENTAL HEALTH OF TEXAS, INC. | — | $3 | $3 | 2.63% |
| FNA INSURANCE SERVICES INC3 | — | CIGNA DENTAL HEALTH OF TEXAS, INC. | — | $1 | $1 | 0.88% |
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 | 738 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 14 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 39 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 791 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(10 contracts, 10 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 780 | $1.0M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 780 | $1.0M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 128 | $8K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 680 | $15K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 680 | $17K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 780 | $1.7M |
| Other(4 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 780 | $1.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 780 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.