| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CIGNA0 Filed as: CIGNA HEALTH AND LIFE INSURANCE | 900 COTTAGE GROVE ROAD BLOOMFIELD, CT 06002 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $362K | $362K | 69.73% |
| UMR, INC.0 Filed as: UNITED HEALTHCARE SERVICES INC | 5901 LINCOLN DR EDINA, MN 55436 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $97K | $97K | 18.67% |
| NJ GROUP SERVICES3 | 22 MERIDIAN RD STE 16 EDISON, NJ 08820 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $50K | $50K | 9.67% |
| ALLIANCE BENEFIT SOLUTIONS, LLC3 Filed as: ALLIANCE BENEFIT SOLUTIONS LLC | 43 W FRONT ST STE 9 RED BANK, NJ 07701 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $5K | $5K | 0.99% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC NJ NY | 1787 SENTRY PKWY W VEVA 16 STE 320 BLUE BELL, PA 19422 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $3K | $3K | 0.54% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE | 354 EISENHOWER PKWY STE 2850 LIVINGSTON, NJ 07039 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $2K | $2K | 0.39% |
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 | 209 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 209 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 209 | $519K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 209 | $519K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 209 | $519K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 209 | $519K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 209 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.