| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CENTERSTONE INSURANCE AND FINANCIAL3 | 12404 PARK CENTRAL DR SUITE 400S DALLAS, TX 75251 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | — | $91K | $91K | 5.51% |
| DKG INSURANCE & FINANCIAL SERVICES3 | 12404 PARK CENTRAL DR SUITE 400S DALLAS, TX 75251 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $32K | $23K | $55K | 3.34% |
| BENEFITMALL3 | 1133 WESTCHESTER AVE STE 229 WHITE PLAINS, NY 10604 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $68 | $33K | $33K | 4.40% |
| DKG INSURANCE & FINANCIAL SERVICES3 Filed as: DKG INSURANCE & FINANCIAL | 1133 WESTCHESTER AVE STE S 229 WHITE PLAINS, NY 10604 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $6K | — | $6K | 0.76% |
| BENEFITMALL3 | 1133 WESTCHESTER AVENUE, SUITE 229 WHITE PLAINS, NY 10604 | CIGNA LIFE INSURANCE CO. OF NEW YORK | — | $15K | $15K | 4.66% |
| DKG INSURANCE & FINANCIAL SERVICES3 Filed as: DKG INSURANCE & FINANCIAL | 1133 WESTCHESTER AVE STE S 229 WHITE PLAINS, NY 10604 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $7K | — | $7K | 2.06% |
| BENEFITMALL3 | 1133 WESTCHESTER AVE STE 229 WHITE PLAINS, NY 10604 | CIGNA LIFE INSURANCE CO. OF NEW YORK | — | $11K | $11K | 4.89% |
| DKG INSURANCE & FINANCIAL SERVICES3 Filed as: DKG INSURANCE & FINANCIAL | 1133 WESTCHESTER AVE STE S 229 WHITE PLAINS, NY 10604 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $6K | — | $6K | 2.55% |
| BENEFITMALL3 | 1133 WESTCHESTER AVE STE 229 WHITE PLAINS, NY 10604 | CIGNA LIFE INSURANCE CO. OF NEW YORK | — | $9K | $9K | 4.26% |
| DKG INSURANCE & FINANCIAL SERVICES3 Filed as: DKG INSURANCE & FINANCIAL | 1133 WESTCHESTER AVE STE S 229 WHITE PLAINS, NY 10604 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $6K | — | $6K | 2.86% |
| DKG INSURANCE & FINANCIAL SERVICES3 Filed as: DKG INSURANCE & FINANCIAL | 1133 WESTCHESTER AVE STE S 229 WHITE PLAINS, NY 10604 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $2K | — | $2K | 8.44% |
| BENEFITMALL3 | 1133 WESTCHESTER AVE STE 229 WHITE PLAINS, NY 10604 | CIGNA LIFE INSURANCE CO. OF NEW YORK | — | $746 | $746 | 3.19% |
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 | 2,088 | 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) | 2,088 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 2,149 | $1.6M |
| Dental | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 2,149 | $1.6M |
| Vision | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 2,149 | $1.6M |
| Life insurance | CIGNA LIFE INSURANCE CO. OF NEW YORK | 2,088 | $322K |
| Short-term disability | CIGNA LIFE INSURANCE CO. OF NEW YORK | 328 | $207K |
| Long-term disability | CIGNA LIFE INSURANCE CO. OF NEW YORK | 1,307 | $233K |
| Stop-loss / reinsurancereinsurance | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 2,149 | $1.6M |
| Other(3 contracts) | CIGNA LIFE INSURANCE CO. OF NEW YORK | 3,356 | $1.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,356 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.