| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STERLING AND STERLING, INC.3 Filed as: STERLING & STERLING LLC | 135 CROSSWAYS PARK DRIVE SUITE 300 PO BOX 9017 WOODBURY, NY 11797 | OXFORD HEALTH INSURANCE INC. | $125K | — | $125K | 3.09% |
| ACRISURE LLC3 Filed as: CHERNOFF DIAMOND & CO., LLC | 725 RXR PLAZA EAST TOWER UNIONDALE, NY 11556 | OXFORD HEALTH INSURANCE INC. | $25K | — | $25K | 0.62% |
| STERLING AND STERLING, INC.3 Filed as: STERLING & STERLING INC. | 135 CROSSWAYS PARK DRIVE SUITE 300 PO BOX 9017 WOODBURY, NY 11797 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $4K | — | $4K | 2.98% |
| STERLING AND STERLING, INC.3 Filed as: STERLING & STERLING INC. | 135 CROSSWAYS PARK DRIVE PO BOX 9017 WOOBBURY, NY 11797 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $4K | — | $4K | 7.68% |
| ACRISURE LLC3 Filed as: CHERNOFF DIAMOND & CO., LLC | 725 RX PLAZA EAST TOWER UNIONDALE, NY 11556 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $1K | — | $1K | 2.32% |
| STERLING AND STERLING, INC.3 Filed as: STERLING & STERLING INC. | 135 CROSSWAYS PARK DRIVE PO BOX 9017 WOODBURY, NY 11797 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $477 | — | $477 | 8.10% |
| ACRISURE LLC3 Filed as: CHERNOFF DIAMOND & CO., LLC | 725 RXR PLAZA EAST TOWER UNIONDALE, NY 11556 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $137 | — | $137 | 2.33% |
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 | 311 | 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) | 311 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | OXFORD HEALTH INSURANCE INC. | 463 | $4.1M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 275 | $148K |
| Life insurance | CIGNA LIFE INSURANCE CO. OF NEW YORK | 311 | $46K |
| Other | CIGNA LIFE INSURANCE CO. OF NEW YORK | 131 | $6K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 463 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.