| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GROUP STRATEGIES, LLC3 Filed as: GROUP STRATEGIES LLC | 250 PEHLE AVENUE SADDLEBROOK, NJ 07663 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES (CIGNA) | $8K | — | $8K | 0.85% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AND FINANCIAL | 354 EISENHOWER PARKWAY SUITE 2850 LIVINGSTON, NJ 07039 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $20K | $6K | $26K | 7.69% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BROWN RUDNICK LLP LEGAL | Legal; Direct payment from the plan Service code 29 | ONE FINANCIAL CENTER BOSTON, MA 02111 | $58K |
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 | 497 | 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) | 505 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES (CIGNA) | 733 | $879K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 581 | $341K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 581 | $341K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 581 | $341K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 581 | $341K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES (CIGNA) | 733 | $879K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 581 | $341K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 733 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.