| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DUFFY LIVINGSTON LLC3 | 200 ATLANTIC AVE STE E MANASQUAN, NJ 08736 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $82K | $82K | 4.56% |
| PLATINUM PLANNING INC3 | 718 RIVER ROAD FAIR HAVEN, NJ 07704 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $33K | $33K | 1.82% |
| DUFFY LIVINGSTON LLC3 | 200 ATLANTIC AVE STE E MANASQUAN, NJ 08736 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $7K | $7K | 0.36% |
| DUFFY LIVINGSTON LLC3 | 200 ATLANTIC AVE STE E MANASQUAN, NJ 08736 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 5.02% |
| DUFFY LIVINGSTON LLC3 | 200 ALTANTIC AVE STE E MANAQUAN, NJ 08736 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 5.93% |
| DUFFY LIVINGSTON LLC3 | 200 ATLANTIC AVE STE E MANASQUAN, NJ 08736 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 9.46% |
| DUFFY LIVINGSTON LLC3 | 200 ATLANTIC AVE STE E MANASQUAN, NJ 08736 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 12.70% |
| MARK PELLECCHIA3 Filed as: MARK DUFFY | 200 ATLANTIC AVE MANASQUAN, NJ 087361352 | VISION SERVICE PLAN | $860 | — | $860 | 6.19% |
| DUFFY LIVINGSTON LLC3 | 200 ATLANTIC AVE STE E MANASQUAN, NJ 08736 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $740 | — | $740 | 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 | 206 | 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. |
| Total participants (= "Plan participants" tile) | 206 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 197 | $1.8M |
| Vision | VISION SERVICE PLAN | 123 | $14K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 206 | $35K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 196 | $57K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 200 | $30K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 197 | $1.8M |
| Other(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 200 | $29K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 206 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.