| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSURANCE & INVESTMENT ADVISORY GRP3 | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $26K | — | $26K | 2.24% |
| FNA INSURANCE SERVICES INC3 | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | — | $12K | $12K | 1.02% |
| GREATER METRO AGENCY INC3 | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | — | $1 | $1 | 0.00% |
| INSURANCE & INVESTMENT AD3 | 506 CARNEGIE CENTER SUITE 400 PRINCETON, NJ 08540 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $22K | — | $22K | 22.45% |
| FNA INSURANCE SERVICES IN3 | 1000 WOODBURY ROAD 4TH FLOOR SUITE 403 WOODBURY, NY 11797 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $4K | $4K | 3.99% |
| INSURANCE & INVESTMENT AD3 | 506 CARNEGIE CENTER SUITE 400 PRINCETON, NJ 08540 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $21K | — | $21K | 22.51% |
| FNA INSURANCE SERVICES IN3 | 1000 WOODBURY ROAD 4TH FLOOR SUITE 403 WOODBURY, NY 11797 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $4K | $4K | 3.99% |
| INSURANCE & INVESTMENT AD3 | 506 CARNEGIE CENTER SUITE 400 PRINCETON, NJ 08540 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $9K | — | $9K | 22.50% |
| FNA INSURANCE SERVICES IN3 | 1000 WOODBURY ROAD 4TH FLOOR SUITE 403 WOODBURY, NY 11797 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $2K | $2K | 3.99% |
| DESARNO BENEFITS LLC3 | 729 RAYMERE AVENUE INTERLAKEN, NJ 07712 | AFLAC | $1K | — | $1K | 9.07% |
| JOHN T CAPOZZI3 | 242 WICKERBERRY DRIVE MIDDLETOWN, DE 19709 | AFLAC | $155 | — | $155 | 1.10% |
| INSURANCE & INVESTMENT ADVISORY GRP3 | — | CIGNA DENTAL HEALTH OF NEW JERSEY, INC. | $472 | — | $472 | 6.95% |
| FNA INSURANCE SERVICES INC3 | — | CIGNA DENTAL HEALTH OF NEW JERSEY, INC. | — | $266 | $266 | 3.92% |
| GREATER METRO AGENCY INC3 | — | CIGNA DENTAL HEALTH OF NEW JERSEY, INC. | — | $1 | $1 | 0.01% |
| INSURANCE & INVESTMENT AD3 | 506 CARNEGIE CENTER SUITE 400 PRINCETON, NJ 08540 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $985 | — | $985 | 23.87% |
| FNA INSURANCE SERVICES IN3 | 1000 WOODBURY ROAD 4TH FLOOR SUITE 403 WOODBURY, NY 11797 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $165 | $165 | 4.00% |
| INSURANCE & INVESTMENT ADVISORY GRP3 | — | CIGNA DENTAL HEALTH OF MISSOURI, INC. | $41 | — | $41 | 6.44% |
| FNA INSURANCE SERVICES INC3 | — | CIGNA DENTAL HEALTH OF MISSOURI, INC. | — | $23 | $23 | 3.61% |
| INSURANCE & INVESTMENT ADVISORY GRP3 | — | CIGNA DENTAL HEALTH OF NORTH CAROLINA, INC. | $33 | — | $33 | 6.21% |
| FNA INSURANCE SERVICES INC3 | — | CIGNA DENTAL HEALTH OF NORTH CAROLINA, INC. | — | $19 | $19 | 3.58% |
| INSURANCE & INVESTMENT ADVISORY GRP3 | — | CIGNA DENTAL HEALTH OF OHIO, INC. | $21 | — | $21 | 6.60% |
| FNA INSURANCE SERVICES INC3 | — | CIGNA DENTAL HEALTH OF OHIO, INC. | — | $12 | $12 | 3.77% |
| INSURANCE & INVESTMENT ADVISORY GRP3 | — | CIGNA DENTAL HEALTH OF FLORIDA, INC. | $21 | — | $21 | 6.60% |
| FNA INSURANCE SERVICES INC3 | — | CIGNA DENTAL HEALTH OF FLORIDA, INC. | — | $12 | $12 | 3.77% |
| INSURANCE & INVESTMENT ADVISORY GRP3 | — | CIGNA DENTAL HEALTH OF MARYLAND, INC. | $20 | — | $20 | 6.29% |
| FNA INSURANCE SERVICES INC3 | — | CIGNA DENTAL HEALTH OF MARYLAND, INC. | — | $11 | $11 | 3.46% |
| INSURANCE & INVESTMENT ADVISORY GRP3 | — | CIGNA DENTAL HEALTH OF ILLINOIS, INC. | $13 | — | $13 | 6.13% |
| FNA INSURANCE SERVICES INC3 | — | CIGNA DENTAL HEALTH OF ILLINOIS, INC. | — | $7 | $7 | 3.30% |
| INSURANCE & INVESTMENT ADVISORY GRP3 | — | CIGNA DENTAL HEALTH OF KANSAS, INC. | $13 | — | $13 | 12.15% |
| FNA INSURANCE SERVICES INC3 | — | CIGNA DENTAL HEALTH OF KANSAS, INC. | — | $7 | $7 | 6.54% |
| INSURANCE & INVESTMENT ADVISORY GRP3 | — | CIGNA DENTAL HEALTH OF PENNSYLVANIA, INC. | $9 | — | $9 | 8.49% |
| FNA INSURANCE SERVICES INC3 | — | CIGNA DENTAL HEALTH OF PENNSYLVANIA, INC. | — | $5 | $5 | 4.72% |
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 | 883 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 15 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 33 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 931 | 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 | 856 | $1.2M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 856 | $1.1M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 138 | $41K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 775 | $91K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 775 | $100K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 856 | $1.9M |
| Other(4 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 856 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 856 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.