| 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 | $94K | $94K | 4.42% |
| SAKURA INSURANCE AGENCY INC.3 | 2125 CENTER AVE., #310 FORT LEE, NJ 07024 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $8K | $0 | $8K | 5.05% |
| SAKURA INSURANCE AGENCY INC.3 | 2125 CENTER AVE., #310 FORT LEE, NJ 07024 | VISION SERVICE PLAN | $1K | $0 | $1K | 4.62% |
| SAKURA INSURANCE AGENCY INC.3 | 2125 CENTER AVENUE, 310 FORT LEE, NJ 07024 | HARTFORD LIFE AND ACCIDENT | $3K | $0 | $3K | 15.00% |
| SAKURA INSURANCE AGENCY INC.3 | 2125 CENTER AVE., 310 FORT LEE, NJ 07024 | UNITED HEALTHCARE INSURANCE COMPANY | $0 | $0 | $0 | 0.00% |
| SAKURA INSURANCE AGENCY INC.3 | 2125 CENTER AVE., #310 FORT LEE, NJ 07024 | CIGNA DENTAL HEALTH OF CALIFORNIA, INC. | $131 | $0 | $131 | 8.00% |
| SAKURA INSURANCE AGENCY INC.3 Filed as: SAKURA INSURANCE AGENCY, INC. | 2125 CENTER AVE., #310 FORT LEE, NJ 07024 | CIGNA DENTAL HEALTH OF ILLINOIS, INC. | $128 | $0 | $128 | 7.97% |
| SAKURA INSURANCE AGENCY INC.3 Filed as: SAKURA INSURANCE AGENCY, INC. | 2125 CENTER AVE., #310 FORT LEE, NJ 07024 | CIGNA DENTAL HEALTH OF NEW JERSEY, INC. | $30 | $0 | $30 | 7.94% |
| SAKURA INSURANCE AGENCY INC.3 Filed as: SAKURA INSURANCE AGENCY, INC. | 2125 CENTER AVE., #310 FORT LEE, NJ 07024 | CIGNA DENTAL HEALTH OF FLORIDA, INC. | $25 | $0 | $25 | 7.94% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE COM EIN 59-1031071 INSURANCE COMPANY | Plan Administrator Service code 14 | — | $94K |
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 | 153 | 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) | 153 | 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 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 153 | $159K |
| Vision | VISION SERVICE PLAN | 151 | $31K |
| Life insurance | UNITED HEALTHCARE INSURANCE COMPANY | 163 | $16K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 145 | $2.1M |
| Other | HARTFORD LIFE AND ACCIDENT | 10 | $17K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 163 | — |
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.