| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LIVELY EMPLOYEE SERVICES3 Filed as: LIVELY EMPLOYER SERVICES | 6120 HEARSTONE DR PIPERSVILLE, PA 18947 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $63K | — | $63K | 3.78% |
| CORE EMPLOYER SERVICES3 | 5547 FOREST HIGHLAND CT WESTERVILLE, OH 43082 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $20K | — | $20K | 1.18% |
| LIVELY EMPLOYEE SERVICES3 Filed as: LIVELY EMPLOYER SERVICES | 76 LIBERTY STREET METUCHEN, NJ 08840 | DELTA DENTAL OF NEW JERSEY, INC | $5K | — | $5K | 7.17% |
| SAVOY ASSOCIATES3 Filed as: SAVOY ASSOCIATES, INC. | 25B HANOVER RD SUITE 220 FLORHAM PARK, NJ 07932 | DELTA DENTAL OF NEW JERSEY, INC | $4K | — | $4K | 5.48% |
| CORE EMPLOYER SERVICES3 | 5547 FOREST HIGHLAND CT WESTERVILLE, OH 43082 | DELTA DENTAL OF NEW JERSEY, INC | $2K | — | $2K | 2.83% |
| LIVELY EMPLOYEE SERVICES3 | 76 LIBERTY STREET METUCHEN, NJ 08840 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 8.84% |
| LIVELY EMPLOYEE SERVICES3 | 76 LIBERTY STREET METUCHEN, NJ 08840 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 14.36% |
| LIVELY EMPLOYEE SERVICES3 Filed as: LIVELY EMPLOYER SERVICES | 6120 HEARTHSTONE DRIVE PIPERSVILLE, PA 18947 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $309 | — | $309 | 7.29% |
| CORE EMPLOYER SERVICES3 | 5547 FOREST HIGHLAND CT WESTERVILLE, OH 43082 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $115 | — | $115 | 2.71% |
| LIVELY EMPLOYEE SERVICES3 | 76 LIBERTY STREET METUCHEN, NJ 08840 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $347 | — | $347 | 11.99% |
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 | 105 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 105 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 74 | $1.7M |
| Dental | DELTA DENTAL OF NEW JERSEY, INC | 76 | $68K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 29 | $4K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 105 | $24K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 105 | $19K |
| Other(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 105 | $27K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 105 | — |
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."
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.