| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RICAEDIA LLC3 | 47 PRIMROSE CIRCLE SUITE 200 PRINCETON, NJ 08540 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $245K | — | $245K | 10.25% |
| RICAEDIA LLC3 | 47 PRIMROSE CIRCLE SUITE 200 PRINCETON, NJ 08540 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $57K | — | $57K | 6.34% |
| RICAEDIA LLC3 | 47 PRIMROSE CIRCLE PRINCETON, NJ 08540 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $79K | — | $79K | 13.60% |
| RICAEDIA LLC3 Filed as: RICAEDIA, LLC | 47 PRIMROSE CIRCLE PRINCETON, NJ 08540 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $60K | — | $60K | 13.67% |
| RICAEDIA LLC3 | 47 PRIMROSE CIRCLE PRINCETON, NJ 08540 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $51K | — | $51K | 13.66% |
| RICAEDIA LLC4 | 47 PRIMROSE CIR PRINCETON, NJ 08540 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $33K | — | $33K | 10.00% |
| JAN TINDER ENTERPRISES INC4 | 6943 COHASSET CIR RIVERVIEW, FL 33578 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $3K | — | $3K | 1.00% |
| RAJA VELUSWAMY3 | 47 PRIMROSE CIR PRINCETON, NJ 085409418 | KAISER FOUNDATION HEALTH PLAN INC. | $8K | — | $8K | 4.07% |
| RAJA VELUSWAMY3 Filed as: RAJA VELUSWAMY, RICAEDIA LLC | 47 PRIMROSE CIRCLE PRINCETON, NJ 08540 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | — | $3K | 5.08% |
| RAJA VELUSWAMY3 Filed as: RAJA VELUSWAMY, RICAEDIA LLC | 47 PRIMROSE CIRCLE PRINCETON, NJ 08540 | UNITEDHEALTHCARE INSURANCE COMPANY | $846 | — | $846 | 5.00% |
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 | 10,941 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 141 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 11,082 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 17 | $261K |
| Dental(4 contracts, 4 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 219 | $335K |
| Vision(2 contracts, 2 carriers) | KAISER FOUNDATION HEALTH PLAN INC. | 281 | $204K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 15,473 | $2.4M |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 10,535 | $2.3M |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 8,150 | $2.5M |
| Prescription drug | TRIPLE S SALUD, INC. | 7 | $75K |
| Other(6 contracts, 4 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 16,556 | $2.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 16,556 | — |
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.