| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY, LLC | 340 MADISON AVENUE, 21ST FLOOR NEW YORK CITY, NY 10173 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | $11K | $9K | $21K | 1.02% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 102 DUFFY AVENUE, 4TH FLOOR HICKSVILLE, NY 11801 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | $16K | $0 | $16K | 0.78% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | VISION SERVICE PLAN | $5K | $0 | $5K | 1.59% |
| HELEN DIZ-HATTON3 | 4 PALMER LANE ENGLISHTOWN, NJ 07726 | THE PAUL REVERE LIFE INSURANCE COMPANY | $634 | $0 | $634 | 2.58% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY, LLC | 340 MADISON AVENUE, 21ST FLOOR NEW YORK CITY, NY 10173 | THE PAUL REVERE LIFE INSURANCE COMPANY | $444 | $0 | $444 | 1.81% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 2 AQUARIUM LOOP DRIVE, SUITE 200 CAMDEN, NJ 08103 | THE PAUL REVERE LIFE INSURANCE COMPANY | $432 | $0 | $432 | 1.76% |
| MJ INSURANCE3 Filed as: MICHELLE DARTEE AND VARIOUS AGENTS | PO BOX 274 SPARTA, NJ 07871 | THE PAUL REVERE LIFE INSURANCE COMPANY | $164 | $2 | $166 | 0.68% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 100 MERIDIAN CENTRE BOULEVARD ROCHESTER, NY 14618 | THE PAUL REVERE LIFE INSURANCE COMPANY | $141 | $0 | $141 | 0.57% |
| HOWARD HOROWITZ3 Filed as: HOWARD J. HOROWITZ | 2610 ALCOTT STREET CARMEL, IN 46032 | THE PAUL REVERE LIFE INSURANCE COMPANY | $100 | $34 | $134 | 0.54% |
| SALATHIEL MALDONADO3 | 504 EAST BOYDS ROAD CARMEL, NY 10512 | THE PAUL REVERE LIFE INSURANCE COMPANY | $64 | $0 | $64 | 0.26% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY, LLC | 340 MADISON AVENUE, 21ST FLOOR NEW YORK CITY, NY 10173 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $45 | $0 | $45 | 2.62% |
| HELEN DIZ-HATTON3 | 4 PALMER LANE ENGLISHTOWN, NJ 07726 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $40 | $0 | $40 | 2.33% |
| WENDY ELIZABETH WESOLOWSKI3 | 1284 NORTH 12TH AVENUE PENSACOLA, FL 32503 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $24 | $0 | $24 | 1.40% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 100 MERIDIAN CENTRE BOULEVARD ROCHESTER, NY 14618 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $19 | $0 | $19 | 1.11% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 2 AQUARIUM LOOP DRIVE, SUITE 200 CAMDEN, NJ 08103 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $18 | $0 | $18 | 1.05% |
| MICHELLE DARTEE3 | PO BOX 274 SPARTA, NJ 07871 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $12 | $0 | $12 | 0.70% |
| MJ INSURANCE3 Filed as: CLARICE R. MIMS AND VARIOUS AGENTS | 17290 HIGHLAND AVENUE, SUITE 2B JAMAICA, NY 11432 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $9 | $0 | $9 | 0.52% |
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 | 3,916 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 335 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 4,251 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 3,046 | $6.1M |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 3,210 | $113K |
| Vision(2 contracts) | VISION SERVICE PLAN | 1,688 | $482K |
| Life insurance | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | 3,916 | $2.0M |
| Short-term disability | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | 3,916 | $2.0M |
| Long-term disability | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | 3,916 | $2.0M |
| Prescription drug(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 3,046 | $6.1M |
| Other(4 contracts, 4 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 3,916 | $7.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,916 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.