| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NORTHEAST, LLC | 445 HAMILTON AVENUE, 10TH FLOOR WHITE PLAINS, NY 10601 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $3K | $43K | $46K | 2.57% |
| EKA BROKERAGE SERVICES, INC.3 | 157 EAST MAIN STREET HUNTINGTON, NY 11743 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $2K | $23K | $25K | 1.39% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC. | 225 WIRELESS BOULEVARD, SUITE 200 HAUPPAUGE, NY 11788 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $19K | $19K | 1.06% |
| DOUBLE EAGLE AGENCY, INC.3 Filed as: DOUBLE EAGLE AGENCY | 372 WILLIS AVENUE MINEOLA, NY 11501 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $1K | $15K | $17K | 0.93% |
| FNA INSURANCE SERVICES INC3 Filed as: FNA INSURANCE SERVICES, INC. | 300 CONNELL DRIVE, SUITE 3000 BERKELEY HEIGHTS, NJ 07922 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $13K | $13K | 0.74% |
| ASSUREDPARTNERS3 Filed as: ASSURED SKCG, INC. | 100 BAYLIS ROAD, SUITE 300 MELVILLE, NY 11747 | FIDELITY SECURITY LIFE INSURANCE COMPANY OF NEW YORK | $656 | $0 | $656 | 6.17% |
| EKA BROKERAGE SERVICES, INC.3 | 157 EAST MAIN STREET, SUITE 100 HUNTINGTON, NY 11743 | FIDELITY SECURITY LIFE INSURANCE COMPANY OF NEW YORK | $426 | $0 | $426 | 4.01% |
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 | 114 | 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) | 114 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 114 | $1.8M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 114 | $1.8M |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY OF NEW YORK | 158 | $11K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 114 | $1.8M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 158 | — |
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.