| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HEFFERNAN INSURANCE BROKERS3 | P.O. BOX 4006 WALNUT CREEK, CA 945961796 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $141K | — | $141K | 2.96% |
| HEALTHY BUSINESS GROUP LLC3 | 34 BAY STREET SAG HARBOR, NY 11963 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $103K | $103K | 2.16% |
| PILOT BENEFITS GROUP LLC3 | 35 PINELAWN ROAD, SUITE 105E MELVILLE, NY 11747 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $27K | — | $27K | 0.58% |
| HEFFERNAN INSURANCE BROKERS3 | 1350 CARLBACK AVE. WALNUT CREEK, CA 94596 | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | $4K | — | $4K | 2.60% |
| PILOT BENEFITS GROUP LLC3 | 35 PINELAWN ROAD., SUITE 105E MELVILLE, NY 11747 | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | $910 | — | $910 | 0.62% |
| HEFFERNAN INSURANCE BROKERS3 | 35 PINELAWN RD., SUITE 105E MELVILLE, NE 117473111 | GUARDIAN | $5K | — | $5K | 4.60% |
| HEFFERNAN INSURANCE BROKERS3 | 1350 CARLBACK AVE WALNUT CREEK, CA 94596 | VISION SERVICE PLAN | $1K | — | $1K | 5.71% |
| HUDSON VALLEY AGENCY3 Filed as: HUDSON VALLEY AGENCY ALLIANCE LLC | 800 WESTCHESTER AVE RYE BROOK, NY 10573 | FEDERAL INSURANCE COMPANY | $430 | $29 | $459 | 16.00% |
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 | 289 | 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) | 289 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 242 | $4.8M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 242 | $4.8M |
| Vision | VISION SERVICE PLAN | 131 | $18K |
| Life insurance | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | 289 | $147K |
| Long-term disability | GUARDIAN | 200 | $107K |
| Other(2 contracts, 2 carriers) | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | 289 | $150K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 289 | — |
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.
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.