| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ROCKVILLE BENEFIT ADVISOR3 | 1548 KEW AVE SUITE 410 HEWLETT, NY 11557 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $6K | — | $6K | 8.04% |
| DONALD C SAVOY INC3 | ROUND TABLE STUDIOS 200 CONNELL DRIVE SUITE 1000 BERKELEY HEIGHTS, NJ 07922 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $2K | $2K | 2.35% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: RISK PLACEMENT SERVICES | ROUND TABLE STUDIOS 200 CONNELL DRIVE SUITE 1000 BERKELEY HEIGHTS, NJ 07922 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $1K | $1K | 2.01% |
| ROCKVILLE BENEFIT ADVISOR3 Filed as: ROCKVILLE BENEFIT ADVISORS | 1548 KEW AVE SUITE 410 HEWLETT, NY 11557 | CIGNA HEALTHCARE OF CONNECTICUT, INC. | $1K | — | $1K | 10.00% |
| DONALD C SAVOY INC3 | ROUND TABLE STUDIOS SUITE 1000, 200 CORNELL DRIVE BERKELEY HEIGHTS, NJ 07922 | CIGNA HEALTHCARE OF CONNECTICUT, INC. | — | $386 | $386 | 2.63% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: RISK PLACEMENT SERVICES | ROUND TABLE STUDIOS 200 CONNELL DRIVE SUITE 1000 BERKELEY HEIGHTS, NJ 07922 | CIGNA HEALTHCARE OF CONNECTICUT, INC. | — | $347 | $347 | 2.37% |
| ROCKVILLE BENEFIT ADVISOR3 | 1548 KEW AVE HEWLETT, NY 11557 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $835 | — | $835 | 12.00% |
| FNA INSURANCE SERVICES INC3 | 1000 WOODBURY ROAD 4TH FLOOR, SUITE 403 WOODBURY, NY 11797 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | — | $348 | $348 | 5.00% |
| ROCKVILLE BENEFIT ADVISOR3 | 1548 KEW AVE HEWLETT, NY 11557 | CIGNA DENTAL HEALTH OF NEW JERSEY, INC. | $191 | — | $191 | 9.99% |
| DONALD C SAVOY INC3 | ROUND TABLE STUDIOS 200 CONNELL DR SUITE 1000 BERKELEY HEIGHTS, NC 07922 | CIGNA DENTAL HEALTH OF NEW JERSEY, INC. | — | $50 | $50 | 2.62% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: RISK PLACEMENT SERVICES | ROUND TABLE STUDIOS SUITE 1000 BERKELEY HEIGHTS, NJ 07922 | CIGNA DENTAL HEALTH OF NEW JERSEY, INC. | — | $45 | $45 | 2.35% |
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 | 281 | 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) | 281 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 115 | $85K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 115 | $69K |
| Life insurance | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | 281 | $7K |
| Other | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | 281 | $7K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 281 | — |
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.