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Sponsor portfolioWelfare / HealthEIN 22-1500529

SPECTRUM 360

414 EAGLE ROCK AVENUE · WEST ORANGE, NJ 07052
9735093050
Plans filed
2
Years active
2016–2025
Industry
NAICS 61
Latest filing
2025
Total premiums (latest)
$5.1M
No prior year
Persons covered
421
No prior year
Total participants
264
No prior year
Plans filed
2
No prior year

Plans under this sponsor

2 plans
Plan #501$5.1M
SPECTRUM 360
Fully insured421 covered·4 carriers
Primary: CIGNA HEALTH AND LIFE INSURANCE COMPANY
Plan #502$188K
THE CHILDREN'S INSTITUTE WELFARE BENEFITS PLAN
Fully insured125 covered·1 carrier
Primary: GUARDIAN

Coverage overview

Aggregate, latest year
Benefit typePremiumShareDistribution
Health$4.8M91.2%
Dental$263K5.0%
Life$55K1.1%
Other$55K1.1%
Vision$52K1.0%
Long-term disability$35K0.7%

Carrier overview

3 carriers · all plans
CarrierCoverageTotal premiumSharePlansContractsCovered
CIGNA HEALTH AND LIFE INSURANCE COMPANY
EIN 591031071
H
$4.8M92.8%11326
DELTA DENTAL OF CALIFORNIA
EIN 812414649
DV
$315K6.1%12421
UNUM LIFE INSURANCE COMPANY OF AMERICA
EIN 010278678
LLTDOth
$55K1.1%12184

Broker overview

2 brokers · all plans
BrokerLocCarriersCommissionsFeesTotal compSharePlans
PARTLOW INSURANCE AGENCY INCWINCHESTER, VAUNUM LIFE INSURANCE COMPANY OF AMERICA, DELTA DENTAL OF NEW JERSEY, INC., DELTA DENTAL OF CONNECTICUT, INC., CIGNA HEALTH AND LIFE INSURANCE COMPANY$18K$238K$256K72.9%1
DONALD C SAVOY INCBERKELEY HEIGHTS, NJCIGNA HEALTH AND LIFE INSURANCE COMPANY$0$95K$95K27.1%1

History & trajectory

10 years · all plans
Total premiums
Summed across all plans for this sponsor.
Persons covered
EOY headcount summed across all plans.
Carrier mix
Premium by top carriers, summed across plans.
Broker compensation
Comp by top brokers, summed across plans.

Policy details

Latest year, by plan
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