| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE COMPETITIVE ADVANTAGE COMPANIES3 | 54 BROAD STREET, SUITE 200 RED BANK, NJ 07701 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $350K | $0 | $350K | 17.08% |
| GREATER METRO AGENCY INC3 Filed as: GREATER METRO AGENCY, INC. | 1000 WOODBURY ROAD, SUITE 403 WOODBURY, NY 11797 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $140K | $140K | 6.83% |
| THE COMPETITIVE ADVANTAGE COMPANIES3 | 54 BROAD STREET, SUITE 200 RED BANK, NJ 07701 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $36K | $0 | $36K | 7.29% |
| GREATER METRO AGENCY INC3 Filed as: GREATER METRO AGENCY, INC. | 1000 WOODBURY ROAD, SUITE 403 WOODBURY, NY 11797 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $0 | $17K | $17K | 3.41% |
| HAYS COMPANIES, INC.3 | 80 SOUTH 8TH STREET MINNEAPOLIS, MN 55402 | ARAG INSURANCE COMPANY | $9K | $0 | $9K | 9.10% |
| THE COMPETITIVE ADVANTAGE COMPANIES3 | 54 BROAD STREET, SUITE 200 RED BANK, NJ 07701 | ARAG INSURANCE COMPANY | $924 | $0 | $924 | 0.90% |
| THE COMPETITIVE ADVANTAGE COMPANIES3 | 54 BROAD STREET, SUITE 200 RED BANK, NJ 07701 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $10K | $0 | $10K | 10.00% |
| FNA INSURANCE SERVICES INC3 Filed as: FNA INSURANCE SERVICES, INC. | 1000 WOODBURY ROAD, SUITE 403 WOODBURY, NY 11797 | LIFE INSURANCE COMPANY OF NORTH AMERICA | -$583 | $5K | $5K | 5.00% |
| SOTERIA PARTNERS LLC3 | 4 CENTURY DRIVE PARSIPPANY, NJ 07054 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $8K | $8K | $17K | 18.03% |
| CHRISTIAN PETER3 | 54 BROAD STREET RED BANK, NJ 07701 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $10K | $0 | $10K | 10.88% |
| MARIA GAMB3 | 443 12TH STREET BROOKLYN, NY 11215 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $0 | $3K | 3.52% |
| SOTERIA PARTNERS LLC3 | 4 CENTURY DRIVE PARSIPPANY, NJ 07054 | THE PAUL REVERE LIFE INSURANCE COMPANY | $249 | $42 | $291 | 7.22% |
| MARIA GAMB3 | 443 12TH STREET BROOKLYN, NY 11215 | THE PAUL REVERE LIFE INSURANCE COMPANY | $94 | $0 | $94 | 2.33% |
| THE COMPETITIVE ADVANTAGE COMPANIES3 | 54 BROAD STREET, SUITE 200 RED BANK, NJ 07701 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5 | $0 | $5 | 1.33% |
| GEORGE J ROE3 Filed as: GEORGE JOSHUA ROE | 108 JACKSON STREET, APARTMENT 4A HOBOKEN, NJ 07030 | CONTINENTAL AMERICAN INSURANCE COMPANY | $5 | $0 | $5 | 1.33% |
| JASON SALLEMI3 | 302 MONROE STREET, APARTMENT 4B HOBOKEN, NJ 07030 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | $0 | $1 | 0.27% |
| SEAN COLRICK3 Filed as: SEAN RYAN COLRICK | 58 SOUTH TERRACE SHORT HILLS, NJ 07078 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | $0 | $1 | 0.27% |
| DOUGLAS MEIER3 Filed as: DOUGLAS R. MEIER | 23 ROCKLEDGE TERRACE POMPTON PLAINS, NJ 07444 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | $0 | $1 | 0.27% |
| ROBERT E. BRUNSON3 | 460 WEST 147TH STREET, APARTMENT 66 NEW YORK, NY 10031 | CONTINENTAL AMERICAN INSURANCE COMPANY | $1 | $0 | $1 | 0.27% |
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 | 1,179 | 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) | 1,179 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,465 | $2.0M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 968 | $496K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 968 | $496K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,179 | $98K |
| Short-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 441 | $377 |
| Long-term disability | CONTINENTAL AMERICAN INSURANCE COMPANY | 441 | $377 |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,465 | $2.0M |
| Other(5 contracts, 5 carriers) | ARAG INSURANCE COMPANY | 1,179 | $297K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,465 | — |
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.