| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSURANCE & INVESTMENT ADVISORY GRP3 | UNKNOWN CRANBURY, NJ 08512 | CIGNA HEALTH AND LIFE INSURANCE AND AFFILIATES | $25K | $0 | $25K | 6.10% |
| FNA INSURANCE SERVICES INC3 | UNKNOWN CRANBURY, NJ 08512 | CIGNA HEALTH AND LIFE INSURANCE AND AFFILIATES | $0 | $14K | $14K | 3.37% |
| GCG FINANCIAL LLC3 | UNKNOWN CRANBURY, NJ 08512 | CIGNA HEALTH AND LIFE INSURANCE AND AFFILIATES | $5K | $0 | $5K | 1.24% |
| GREATER METRO AGENCY INC3 | UNKNOWN CRANBURY, NJ 08512 | CIGNA HEALTH AND LIFE INSURANCE AND AFFILIATES | $0 | -$55 | -$55 | -0.01% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS. & FIN. SVCS. LLC | UNKNOWN CRANBURY, NJ 08512 | CIGNA HEALTH AND LIFE INSURANCE AND AFFILIATES | $0 | -$82 | -$82 | -0.02% |
| INSURANCE & INVESTMENT ADVISORY GRP3 | 506 CARNEGIE CENTER SUITE 400 PRINCETON, NJ 08540 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $41K | $0 | $41K | 11.43% |
| FNA INSURANCE SERVICES INC3 | 100 WOODBURY ROAD 4TH FLOOR SUITE 403 WOODBURY, NY 11797 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $14K | $0 | $14K | 3.81% |
| GCG FINANCIAL LLC3 | 3 PARKWAY NORTH SUITE 500 DEERFIELD, IL 60015 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $13K | $0 | $13K | 3.57% |
| DESARANO BENEFITS LLC3 | 729 RAYMERE AVENUE INTERLAKEN, NJ 07712 | CONTINENTAL AMERICAN INSURANCE COMPANY | $4K | $0 | $4K | 56.80% |
| ROSE M SUDANO3 Filed as: ROSE M. SUDANO | 74 KNOX LANE MANALAPAN, NJ 07726 | CONTINENTAL AMERICAN INSURANCE COMPANY | $816 | $0 | $816 | 10.76% |
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 | 914 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 922 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE AND AFFILIATES | 939 | $411K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE AND AFFILIATES | 939 | $411K |
| Life insurance | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | 914 | $361K |
| Short-term disability | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | 914 | $361K |
| Long-term disability | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | 914 | $361K |
| Other(2 contracts, 2 carriers) | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | 914 | $369K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 939 | — |
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.