| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFIT VENTURES CORP3 | 1460 US HIGHWAY 9 NORTH SUITE 304 WOODBRIDGE, NJ 07095 | METROPOLITAN LIFE INSURANCE COMPANY | $11K | $3K | $14K | 3.75% |
| BENEFITMALL3 | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $4K | — | $4K | 4.60% |
| BENEFIT VENTURES CORP3 Filed as: BENEFIT VENTURES CORPORATION | 1460 ROUTE 9 NORTH SUITE 304 WOODBRIDGE, NJ 07095 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $4K | — | $4K | 3.69% |
| BENEFIT VENTURES CORP3 | 1460 US HIGHWAY 9 NORTH SUITE 304 WOODBRIDGE, NJ 07095 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $342 | $4K | 7.13% |
| BENEFIT VENTURES CORP3 Filed as: BENEFIT VENTURES CORPORATION | 1460 ROUTE 9 NORTH SUITE 304 WOODBRIDGE, NJ 07095 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $4K | — | $4K | 8.40% |
| BENEFITMALL3 | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $2K | — | $2K | 4.59% |
| BENEFIT VENTURES CORP3 Filed as: BENEFIT VENTURES CORPORATION | 1460 ROUTE 9 NORTH SUITE 304 WOODBRIDGE, NJ 07095 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $3K | — | $3K | 6.74% |
| BENEFITMALL3 | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $2K | — | $2K | 4.54% |
| BENEFIT VENTURES CORP3 | 1460 ROUTE 9 NORTH SUITE 304 WOODBRIDGE, NJ 07095 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $2K | — | $2K | 5.00% |
| BENEFIT VENTURES CORP3 | 1460 ROUTE 9 NORTH SUITE 304 WOODBRIDGE, NJ 07095 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $3K | — | $3K | 10.00% |
| BENEFIT VENTURES CORP3 Filed as: BENEFIT VENTURES CORPORATION | 1460 ROUTE 9 NORTH SUITE 304 WOODBRIDGE, NJ 07095 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $2K | — | $2K | 8.29% |
| BENEFITMALL3 | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $1K | — | $1K | 4.57% |
| BENEFIT VENTURES CORP3 | 1460 ROUTE 9 NORTH SUITE 304 WOODBRIDGE, NJ 07095 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| BENEFITMALL3 | 354 EISENHOWER PARKWAY LIVINGSTON, NC 07039 | METROPOLITAN GENERAL INSURANCE COMPANY | — | $3K | $3K | 16.60% |
| BENEFITMALL3 | 354 EISENHOWER PARKWAY LIVINGSTON, NJ 07039 | METROPOLITAN GENERAL INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| BENEFIT VENTURES CORP3 | 1460 ROUTE 9 NORTH SUITE 304 WOODBRIDGE, NJ 07095 | KAISER FOUNDATION HEALTH PLAN, INC. | $124 | — | $124 | 3.22% |
| BENEFIT VENTURES CORP3 Filed as: BENEFIT VENTURES CORPORATION | 1460 ROUTE 9 NORTH SUITE 304 WOODBRIDGE, NJ 07095 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $26 | — | $26 | 9.19% |
| BENEFITMALL3 | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $13 | — | $13 | 4.59% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EVERNORTH CARE SOLUTIONS, INC. EIN 86-1465626 EAP | Claims processing; Participant communication; Contract Administrator; Direct payment from the plan Service code 12 | — | $8K |
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 | 544 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 550 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN, INC. | 1 | $4K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 913 | $378K |
| Vision(3 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPAY | 913 | $1.5M |
| Life insurance | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | 533 | $97K |
| Short-term disability(3 contracts, 2 carriers) | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | 533 | $39K |
| Long-term disability | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | 533 | $47K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPAY | 444 | $1.0M |
| Other(7 contracts, 3 carriers) | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | 533 | $268K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 913 | — |
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.