| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 250 PEHLE AVENUE SADDLE BROOK, NJ 07663 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $11K | $72K | $83K | 2.91% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC. | 225 WIRELESS BOULEVARD, 2ND FLOOR HAUPPAUGE, NY 11788 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | -$11 | -$11 | -0.00% |
| ONE GROUP NY INC3 Filed as: ONE GROUP NY INC. | 5790 WIDEWATERS PARKWAY DEWITT, NY 13214 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | -$20 | $0 | -$20 | -0.00% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 2300 RENAISSANCE BOULEVARD KING OF PRUSSIA, PA 19406 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $6K | $1K | $8K | 11.88% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC. | 225 WIRELESS BOULEVARD, SUITE 200 HAUPPAUGE, NY 11788 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $0 | $3K | $3K | 4.23% |
| ONE GROUP NY INC3 Filed as: ONE GROUP NY INC. | 706 NORTH CLINTON STREET SYRACUSE, NY 13204 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $140 | $0 | $140 | 0.22% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 250 PEHLE AVENUE, SUITE 400 SADDLE BROOK, NJ 07663 | CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 16.67% |
| J G DENIVO CORP3 Filed as: JG DENIVO CORPORATION | 14107 20TH AVENUE, SUITE 102 WHITESTONE, NY 11357 | CONTINENTAL AMERICAN INSURANCE COMPANY | $978 | $0 | $978 | 8.27% |
| WILLIAM P. HILL3 | 14107 20TH AVENUE, SUITE 507 WHITESTONE, NY 11357 | CONTINENTAL AMERICAN INSURANCE COMPANY | $737 | $0 | $737 | 6.23% |
| RICHARD PETERSON3 Filed as: RICHARD D. PETERSON | 14107 20TH AVENUE, SUITE 507 WHITESTONE, NY 11357 | CONTINENTAL AMERICAN INSURANCE COMPANY | $245 | $0 | $245 | 2.07% |
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 | 220 | 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) | 220 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 279 | $2.9M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 279 | $2.9M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 279 | $2.9M |
| Life insurance | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | 220 | $63K |
| Long-term disability | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | 220 | $63K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 279 | $2.9M |
| Other(2 contracts, 2 carriers) | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | 220 | $75K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 279 | — |
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."
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.