| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BENEFITS ADVISORY GROUP3 Filed as: BENEFITS ADVISORY SERVICES, INC. | 7020 108TH STREET SUITE 5P FOREST HILLS, NY 11375 | CIGNA INSURANCE | $73K | $0 | $73K | 5.16% |
| BENEFITS ADVISORY GROUP3 Filed as: BENEFITS ADVISORY SERVICES, INC. | 7020 108TH STREET SUITE 5P FOREST HILLS, NY 11375 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $2K | $613 | $3K | 10.50% |
| BENEFITS ADVISORY GROUP3 Filed as: BENEFITS ADVISORY SERVICES, INC. | 7020 108TH STREET SUITE 5P FOREST HILLS, NY 11375 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $3K | $447 | $3K | 15.41% |
| ONEGROUP NY INC3 Filed as: ONEGROUP NY, INC. | 706 N CLINTON STREET SYRACUSE, NY 13204 | GUARDIAN INSURANCE | $2K | $0 | $2K | 11.70% |
| VINCENZO VENTURI3 | 14 WESTCHESTER AVENUE POUND RIDGE, NY 10576 | FIRST UNUM LIFE INSURANCE COMPANY | $3K | $0 | $3K | 20.00% |
| PREMIERE WORK-SITE SOLUTIONS, LLC3 | 700 KINDERAMACK ROAD SUITE 205 O, NJ 07649 | ALLSTATE LIFE INSURANCE COMPANY OF NEW YORK | $677 | $0 | $677 | 6.64% |
| ONEGROUP NY INC3 Filed as: ONEGROUP NY, INC. | 706 N. CLINTON STREET SYRACUSE, NY 13204 | ALLSTATE LIFE INSURANCE COMPANY OF NEW YORK | $548 | $0 | $548 | 5.38% |
| MATTHEW BORELLA3 | 700 KINDERAMACK ROAD SUITE 205 ORADELL, NJ 07649 | ALLSTATE LIFE INSURANCE COMPANY OF NEW YORK | $340 | $0 | $340 | 3.34% |
| BENEFITS ADVISORY GROUP3 Filed as: BENEFITS ADVISORY SERVICES, INC. | 7020 108TH STREET SUITE 5P FOREST HILLS, NY 11375 | FIRST UNUM LIFE INSURANCE COMPANY | $237 | $0 | $237 | 2.50% |
| PREMIER WORKSITE SOLUTIONS INC3 Filed as: PREMIER WORKSITE SOLUTIONS, LLC | 700 KINDERKAMACK RD ST ORADELL, NJ 07649 | LIFE INSURANCE COMPANY OF BOSTON AND NEW YORK | $1K | $0 | $1K | 15.81% |
| BENEFITS ADVISORY GROUP3 Filed as: BENEFITS ADVISORY SERVICES, INC. | 7020 108TH STREET SUITE 5P FOREST HILLS, NY 11375 | LIFE INSURANCE COMPANY OF BOSTON AND NEW YORK | $600 | $0 | $600 | 8.49% |
| BENEFITS ADVISORY GROUP3 Filed as: BENEFITS ADVISORY SERVICES, INC. | 7020 108TH STREET SUITE 5P FOREST HILLS, NY 11375 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $297 | $52 | $349 | 14.09% |
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 | 242 | 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. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 242 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA INSURANCE | 172 | $1.4M |
| Dental | CIGNA INSURANCE | 172 | $1.4M |
| Vision | CIGNA INSURANCE | 172 | $1.4M |
| Life insurance(2 contracts, 2 carriers) | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | 22 | $36K |
| Short-term disability | GUARDIAN INSURANCE | 242 | $17K |
| Long-term disability | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | 0 | $22K |
| Other(5 contracts, 4 carriers) | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | 22 | $68K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 242 | — |
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.