| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $51K | $783 | $51K | 2.48% |
| BOLLINGER INC3 Filed as: BOLLINGER, INC. | 200 JEFFERSON PARK WHIPPANY, NJ 07981 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $43K | $43K | 2.07% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1900 WEST LOOP SOUTH, SUITE 1600 HOUSTON, TX 77027 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $14K | $4K | $18K | 0.86% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $2K | $0 | $2K | 0.08% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | $5K | $374 | $6K | 13.81% |
| BARBARA FONTI3 | 223 WALL STREET, SUITE 159 HUNTINGTON, NY 11743 | AFLAC | $1K | $201 | $2K | 6.46% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 14TH FLOOR ITASCA, IL 60143 | AFLAC | $1K | $0 | $1K | 4.33% |
| WILLIAM WHICHER3 Filed as: WILLIAM H. WHICHER | 1 LINDEN STREET GARDEN CITY, NY 11530 | AFLAC | $623 | $40 | $663 | 2.68% |
| PATRICK RUHLE3 | 200 GARDEN CITY PLAZA, SUITE 410 GARDEN CITY, NY 11530 | AFLAC | $347 | $40 | $387 | 1.56% |
| LORAINE SOMMER INC3 Filed as: LORAINE SOMMER, INC. | 2188 NESCONSET HIGHWAY 250 STONY BROOK, NY 11790 | AFLAC | $121 | $0 | $121 | 0.49% |
| KENNETH C MEIER CORP3 Filed as: KENNETH C. MEIER CORPORATION | 401 FRANKLIN AVENUE, SUITE 312 GARDEN CITY, NY 11530 | AFLAC | $62 | $0 | $62 | 0.25% |
| MJ INSURANCE3 Filed as: BENITO ROTONDI AND VARIOUS AGENTS | 23 PINE RIDGE ROAD SARATOGA SPRINGS, NY 12866 | AFLAC | $40 | $0 | $40 | 0.16% |
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 | 175 | 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) | 175 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 195 | $2.1M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 195 | $2.1M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 195 | $2.1M |
| Life insurance | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | 175 | $40K |
| Short-term disability | AFLAC | 21 | $25K |
| Long-term disability | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | 175 | $40K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 195 | $2.1M |
| Other(2 contracts, 2 carriers) | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | 175 | $65K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 195 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.