| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| YORK INTERNATIONAL AGENCY LLC3 | 500 MAMARONECK AVE STE 220 HARRISON, NY 10528 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $7K | — | $7K | 6.99% |
| YORK INTERNATIONAL AGENCY LLC3 | 500 MAMARONECK AVE STE 220 HARRISON, NY 10528 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $1K | — | $1K | 10.00% |
| BENEFITMALL3 | 1133 WESTCHESTER AVE STE 229 WHITE PLAINS, NY 10604 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $311 | $319 | $630 | 5.01% |
| BENEFITMALL3 | 250 W OLD WILSON BRIDGE RD STE 190 WORTHINGTON, OH 43085 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | — | $75 | $75 | 0.60% |
| YORK INTERNATIONAL AGENCY LLC3 | 500 MAMARONECK AVE STE 220 HARRISON, NY 10528 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $1K | — | $1K | 12.00% |
| BENEFITMALL3 | 1133 WESTCHESTER AVE STE 229 WHITE PLAINS, NY 10604 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $227 | $225 | $452 | 5.00% |
| BENEFITMALL3 | 250 W OLD WILSON BRIDGE RD STE 190 WORTHINGTON, OH 43085 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | — | $58 | $58 | 0.64% |
| YORK INTERNATIONAL AGENCY LLC3 | 500 MAMARONECK AVE STE 220 HARRISON, NY 10528 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $1K | — | $1K | 15.00% |
| BENEFITMALL3 | 1133 WESTCHESTER AVE STE 229 WHITE PLAINS, NY 10604 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $187 | $192 | $379 | 5.00% |
| BENEFITMALL3 | 250 W OLD WILSON BRIDGE RD STE 190 WORTHINGTON, OH 43085 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | — | $48 | $48 | 0.63% |
| YORK INTERNATIONAL AGENCY LLC3 | 500 MAMARONECK AVE STE 220 HARRISON, NY 10528 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $135 | — | $135 | 11.96% |
| BENEFITMALL3 | 1133 WESTCHESTER AVE STE 129 WHITE PLAINS, NY 10604 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $29 | $27 | $56 | 4.96% |
| BENEFITMALL3 | 250 W OLD WILSON BRIDGE RD STE 190 WORTHINGTON, OH 43085 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | — | $6 | $6 | 0.53% |
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 | 97 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 100 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 102 | $93K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 102 | $93K |
| Life insurance | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | 69 | $9K |
| Short-term disability | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | 49 | $13K |
| Long-term disability | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | 53 | $8K |
| Other | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | 69 | $1K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 102 | — |
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.