| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HEALTHY BUSINESS GROUP LLC3 | 34 BAY STREET SAG HARBOR, NY 11963 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $86K | $86K | 2.10% |
| HEFFERNAN INSURANCE BROKERS3 | P.O. BOX 4006 WALNUT CREEK, CA 945961796 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $67K | — | $67K | 1.62% |
| PILOT BENEFITS GROUP LLC3 | 35 PINELAWN ROAD, SUITE 105E MELVILLE, NY 11747 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $52K | — | $52K | 1.27% |
| HEFFERNAN INSURANCE BROKERS3 | 1350 CARLBACK AVE., SUITE 200 WALNUT PARK, CA 94596 | GUARDIAN | $11K | $5K | $15K | 3.83% |
| PILOT BENEFITS GROUP LLC3 Filed as: PILOT BENEFITS GROUP | 35 PINELAWN ROAD, SUITE 105E MEVILLE, NY 11747 | GUARDIAN | $808 | — | $808 | 0.21% |
| HEFFERNAN INSURANCE BROKERS3 | 1350 CARLBACK AVE. WALNUT CREEK, CA 94596 | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | $3K | — | $3K | 2.17% |
| PILOT BENEFITS GROUP LLC3 | 35 PINELAWN ROAD., SUITE 105E MELVILLE, NY 11747 | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | $1K | — | $1K | 0.87% |
| HEFFERNAN INSURANCE BROKERS3 | 1350 CARLBACK AVE WALNUT CREEK, CA 94596 | VISION SERVICE PLAN | $780 | — | $780 | 4.32% |
| PILOT BENEFITS GROUP LLC3 Filed as: PILOT BENEFITS GROUP | 35 PINELAWN RD., SUITE 105E MELVILLE, NY 117473111 | VISION SERVICE PLAN | $257 | — | $257 | 1.42% |
| HUDSON VALLEY AGENCY3 Filed as: HUDSON VALLEY AGENCY ALLIANCE LLC | 800 WESTCHESTER AVE RYE BROOK, NY 10573 | FEDERAL INSURANCE COMPANY | $430 | — | $430 | 14.99% |
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 | 263 | 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) | 263 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 211 | $4.1M |
| Dental | GUARDIAN | 247 | $392K |
| Vision | VISION SERVICE PLAN | 119 | $18K |
| Life insurance | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | 263 | $144K |
| Long-term disability | GUARDIAN | 247 | $392K |
| Other(2 contracts, 2 carriers) | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | 263 | $147K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 263 | — |
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."
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.