Filings through .
History & trajectory Charts need 2 or more years. This plan has 6 years on file. Pro shows premium, premium per covered life, covered lives and carrier and broker share for every year.
See pricingThe primary carrier changed from the prior filing. The plan has shown it will move. Pitch it again on the next cycle.
Broker comp is under 1% of premium on a plan over $1M. The plan may have no broker or pay a flat fee. Consultants can pitch it.
The filing reports zero broker compensation on a plan over 100 participants. The plan likely buys direct or does not report its broker. Give it a call.
The Schedule A insurance contracts show who carries the risk, for which benefits and for how many people.
| Carrier | Coverage | Premium |
|---|---|---|
Dental | Dental | |
LifeSTDLTDOther | LifeSTDLTDOther | |
Other | Other | |
Vision | Vision | |
Other | Other | |
Dental | Dental |
Premium, covered lives, retention, contract number and renewal month for each carrier are on Pro.
See premium, retention and renewal dates for 18 contracts with Pro. Pro is free for 7 days and then costs $49 a month.
These benefits are declared on the Form 5500 main form. A ✓ means the benefit also has a Schedule A insurance contract. Without one, plan assets or a Schedule C TPA fund the benefit.
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 1,816 | 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) | 1,816 | Active, retired or separated, and beneficiaries. Dependents are not counted. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF NEW JERSEY, INC | 2,810 | $1.4M |
| Vision | VISION SERVICE PLAN | 1,166 | $275K |
| Life insurance(3 contracts) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,535 | $530K |
| Short-term disability(2 contracts) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,550 | $326K |
| Long-term disability(2 contracts) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 1,550 | $242K |
| Other(8 contracts, 3 carriers) | PARTNERRE AMERICA INSURANCE CO | 1,310 | $1.0M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,810 | - |
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 instead of this filer's headcount. We show the row, but it does not count the people in this plan.
Brokers paid through Schedule A and service providers paid through Schedule C.
No brokers reported on this filing.
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CVS HEALTH EIN 05-0340626 CLAIMS PROCESSING | Claims processing Service code 12 | — | $6.6M |
| CIGNA HEALTH & LIFE INS COMPANY EIN 59-1031071 CLAIMS PROCESSING | Direct payment from the plan; Non-monetary compensation; Claims processing; Participant communication; Contract Administrator; Named fiduciary; Other services; Float revenue Service code 12 | — | $1.2M |
| THE PRUDENTIAL INSURANCE COMPANY EIN 22-1211670 THIRD PARTY ADMINISTRAT | Contract Administrator; Plan Administrator Service code 13 | — | $60K |
| OPTUM EIN 82-4606641 CLAIMS PROCESSING | Claims processing Service code 12 | — | $26K |
| CIGNA | Contract Administrator; Direct payment from the plan; Non-monetary compensation; Participant communication; Named fiduciary; Claims processing; Float revenue; Other services Service code 12 | — | $0 |
This section shows how the plan is funded and what that means for risk.
Welfare charges, retention and retention rate (the carrier margin on this plan) are on Pro.
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6 filings · 2020 to 2025