| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DKG INSURANCE & FINANCIAL SERVICES3 Filed as: DKG INSURANCE & FINANCIAL | 1133 WESTCHESTER AVE STE S 229 WHITE PLAINS, NY 10604 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $5K | — | $5K | 8.68% |
| BENEFITMALL3 | 1133 WESTCHESTER AVE STE 229 WHITE PLAINS, NY 10604 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | — | $5K | $5K | 8.24% |
| DKG INSURANCE & FINANCIAL SERVICES3 Filed as: DKG INSURANCE & FINANCIAL | 1133 WESTCHESTER AVE STE S 229 WHITE PLAINS, NY 10604 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $5K | — | $5K | 12.00% |
| BENEFITMALL3 | 1133 WESTCHESTER AVE STE 229 WHITE PLAINS, NY 10604 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | — | $3K | $3K | 8.23% |
| DKG INSURANCE & FINANCIAL SERVICES3 Filed as: DKG INSURANCE & FINANCIAL | 1133 WESTCHESTER AVE STE S 229 WHITE PLAINS, NY 10604 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $5K | — | $5K | 17.36% |
| BENEFITMALL3 | 1133 WESTCHESTER AVE STE 229 WHITE PLAINS, NY 10604 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | — | $2K | $2K | 8.21% |
| DKG INSURANCE & FINANCIAL SERVICES3 Filed as: DKG INSURANCE & FINANCIAL | 1133 WESTCHESTER AVE STE S229 WHITE PLAINS, NY 10604 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $764 | — | $764 | 19.88% |
| BENEFITMALL3 Filed as: BENFITMALL | 1133 WESTCHESTER AVE STE 229 WHITE PLAINS, NY 10604 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | — | $309 | $309 | 8.04% |
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 | 131 | 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) | 131 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | 298 | $39K |
| Short-term disability | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | 131 | $57K |
| Long-term disability | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | 131 | $29K |
| Other(2 contracts) | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | 298 | $43K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 298 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.