| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE ITASCA, IL 60143 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $255K | $3K | $258K | 4.73% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 485 UNDERHILL BOULEVARD, SUITE 304 SYOSSET, NY 11791 | EMBLEMHEALTH SERVICES COMPANY, LLC | $30K | — | $30K | 3.85% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN METRO, INC. | 56 LIVINGTON AVENUE ROSELAND, NJ 07068 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $17K | $4K | $21K | 6.53% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 485 UNDERHILL BOULEVARD, SUITE 304 SYOSSET, NY 11791 | HM LIFE INSURANCE COMPANY | $5K | — | $5K | 10.00% |
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 | 725 | 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) | 725 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 892 | $6.2M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 892 | $5.5M |
| Vision | HM LIFE INSURANCE COMPANY | 766 | $47K |
| Life insurance | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | 725 | $321K |
| Long-term disability | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | 725 | $321K |
| Prescription drug(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 892 | $6.2M |
| Other | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | 725 | $321K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 892 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.