| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARK METTILLE3 Filed as: MARK SCALERA | 72 FLORAL AVE 2ND FLOOR NEW PROVIDENCE, NJ 07974 | CIGNA HEAL & LIFE INSURANCE COMPANY | $12K | $0 | $12K | 9.88% |
| MARK METTILLE3 Filed as: MARK SCALERA | 72 FLORAL AVE 2ND FLOOR NEW PROVIDENCE, NJ 07974 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $0 | $4K | 4.12% |
| MARK METTILLE3 Filed as: MARK SCALERA | 72 FLORAL AVE 2ND FLOOR NEW PROVIDENCE, NJ 07974 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | $0 | $4K | 4.17% |
| MARK METTILLE3 Filed as: MARK SCALERA | 72 FLORAL AVE 2ND FLOOR NEW PROVIDENCE, NJ 07974 | THE LINCOLN LIFE INSURANCE COMPANY | $5K | $0 | $5K | 7.93% |
| MARK METTILLE3 Filed as: MARK SCALERA | 72 FLORAL AVE 2ND FLOOR NEW PROVIDENCE, NJ 07974 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 10.00% |
| MARK METTILLE3 Filed as: MARK SCALERA | 72 FLORAL AVE 2ND FLOOR NEW PROVIDENCE, NJ 07974 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 15.00% |
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 | 148 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 148 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEAL & LIFE INSURANCE COMPANY | 148 | $120K |
| Vision | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 121 | $18K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 241 | $88K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 243 | $89K |
| Long-term disability | THE LINCOLN LIFE INSURANCE COMPANY | 242 | $60K |
| Other | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 47 | $13K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 243 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.