| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SAKURA INSURANCE AGENCY INC.3 Filed as: SAKURA INSURANCE AGENCY INC | 2125 CENTER AVENUE, 310 FORT LEE, NJ 07024 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $92K | $92K | 4.39% |
| SAKURA INSURANCE AGENCY INC.3 Filed as: SAKURA INSURANCE AGENCY INC | 2125 CENTER AVENUE, 310 FORT LEE, NJ 07024 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $9K | $0 | $9K | 5.02% |
| SAKURA INSURANCE AGENCY INC.3 Filed as: SAKURA INSURANCE AGENCY INC | 2125 CENTER AVENUE, 310 FORT LEE, NJ 07024 | VISION SERVICE PLAN | $1K | $0 | $1K | 4.72% |
| SAKURA INSURANCE AGENCY INC.3 Filed as: SAKURA INSURANCE AGENCY INC | 2125 CENTER AVENUE, 310 FORT LEE, NJ 07024 | HARTFORD LIFE AND ACCIDENT | $3K | $0 | $3K | 15.00% |
| SAKURA INSURANCE AGENCY INC.3 Filed as: SAKURA INSURANCE AGENCY INC | 2125 CENTER AVENUE, 310 FORT LEE, NJ 07024 | UNITEDHEALTHCARE INSURANCE COMPANY | $608 | $0 | $608 | 3.66% |
| SAKURA INSURANCE AGENCY INC.3 Filed as: SAKURA INSURANCE AGENCY INC | 2125 CENTER AVENUE, 310 FORT LEE, NJ 07024 | CIGNA DENTAL HEALTH OF CALIFORNIA,INC. | $142 | $0 | $142 | 8.02% |
| SAKURA INSURANCE AGENCY INC.3 Filed as: SAKURA INSURANCE AGENCY INC | 2125 CENTER AVENUE, 310 FORT LEE, NJ 07024 | CIGNA DENTAL HEALTH OF FLORIA, INC. | $3 | $0 | $3 | 9.09% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA EIN 59-1031071 INSURANCE COMPANY | Plan Administrator Service code 14 | — | $0 |
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 | 160 | 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. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 160 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 145 | $2.1M |
| Dental(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 153 | $179K |
| Vision | VISION SERVICE PLAN | 149 | $29K |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 160 | $17K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 160 | $35K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 160 | — |
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."
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.