| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ENROLLEASE3 Filed as: STRATEGIC BENEFITS GRP | 245 SOUTH STREET MORRISTOWN, NJ 07960 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $75K | $75K | 8.00% |
| LIBERTY COMPANY INSURANCE BROKERS3 | 5955 DE SOTO AVE SUITE 250 WOODLAND HILLS, CA 91367 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $33K | $33K | 3.51% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FIN SVC LLC | 12404 PARK CENTRAL DR STE 400S DALLAS, TX 75251 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $23K | $23K | 2.47% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FIN SVC LLC | 12404 PARK CENTRAL DR STE 400S DALLAS, TX 75251 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | — | $4K | $4K | 3.94% |
| ENROLLEASE3 Filed as: STRATEGIC BENEFITS GRP | 245 SOUTH STREET MORRISTOWN, NJ 07960 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $4K | — | $4K | 3.77% |
| LIBERTY COMPANY INSURANCE BROKERS3 | 5955 DE SOTO AVE SUITE 250 WOODLAND HILLS, CA 91367 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $2K | — | $2K | 1.83% |
| ENROLLEASE3 Filed as: STRATEGIC BENEFITS GROUP LLC | 245 SOUTH ST MORRISTOWN, NJ 07960 | HARTFORD LIFE AND ACCIDENT | $9K | — | $9K | 11.17% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS &FINANCIAL SERVICES | 12404 PARK CENTRAL DRIVE SUITE 400 SOUTH SOUTH DALLAS, TX 75251 | HARTFORD LIFE AND ACCIDENT | — | $5K | $5K | 6.32% |
| ENROLLEASE3 Filed as: STRATEGIC BENEFITS GROUP | 245 SOUTH STREET MORRISTOWN, NJ 07960 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $598 | — | $598 | 14.02% |
| LIBERTY COMPANY INSURANCE BROKERS3 | 5955 DE SOTO AVE SUITE 250 WOODLAND HILLS, CA 91367 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $193 | — | $193 | 4.53% |
| ENROLLEASE3 Filed as: STRATEGIC BENEFITS GROUP | 245 SOUTH STREET MORRISTOWN, NJ 07960 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $481 | — | $481 | 14.08% |
| LIBERTY COMPANY INSURANCE BROKERS3 | 5955 DE SOTO AVE SUITE 250 WOODLAND HILLS, CA 91367 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $152 | — | $152 | 4.45% |
| ENROLLEASE3 Filed as: STRATEGIC BENEFITS GROUP | 245 SOUTH STREET MORRISTOWN, NJ 07960 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $335 | — | $335 | 13.23% |
| LIBERTY COMPANY INSURANCE BROKERS3 | 5955 DE SOTO AVE SUITE 250 WOODLAND HILLS, CA 91367 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $132 | — | $132 | 5.21% |
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 | 189 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 190 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 158 | $932K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 136 | $94K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 136 | $94K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 189 | $80K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 189 | $80K |
| Other(4 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 189 | $90K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 189 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.