| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLINA & LACAVA BENEFITS PLUS3 | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $51K | — | $51K | 7.68% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC. | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $28K | $28K | 4.20% |
| GALLINA & LACAVA BENEFITS PLUS3 | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $7K | — | $7K | 7.25% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC. | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | — | $4K | $4K | 3.97% |
| BENEFITS PLUS FINANCIAL SERVICES3 | — | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $2K | — | $2K | 14.40% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC. | — | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | — | $853 | $853 | 5.00% |
| PROFESSIONAL GROUP PLANS INC3 | — | COMPANION LIFE INSURANCE COMPANY | $2K | $1K | $3K | 18.24% |
| BENEFITS PLUS FINANCIAL SERVICES3 | — | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $1K | — | $1K | 10.68% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS | — | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | — | $621 | $621 | 5.00% |
| THE PARTNERS GROUP3 Filed as: THE PRODUCERS GROUP DBA TPG GROUP | — | VISION SERVICE PLAN | $659 | — | $659 | 7.36% |
| BENEFITS PLUS FINANCIAL SERVICES3 | — | PRINCIPAL LIFE INSURANCE COMPANY | $681 | — | $681 | 9.52% |
| PROFESSIONAL GROUP PLANS INC3 | — | PRINCIPAL LIFE INSURANCE COMPANY | — | $405 | $405 | 5.66% |
| GALLINA & LACAVA BENEFITS PLUS3 | — | CIGNA DENTAL HEALTH OF CALIFORNIA INC. | $602 | — | $602 | 10.01% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC. | — | CIGNA DENTAL HEALTH OF CALIFORNIA INC. | — | $241 | $241 | 4.01% |
| GALLINA & LACAVA BENEFITS PLUS3 | — | CIGNA DENTAL HEALTH OF ILLINOIS INC | $258 | — | $258 | 10.01% |
| PROFESSIONAL GROUP PLAN INC3 Filed as: PROFESSIONAL GROUP PLAN, INC | — | CIGNA DENTAL HEALTH OF ILLINOIS INC | — | $103 | $103 | 4.00% |
| BENEFITS PLUS FINANCIAL SERVICES3 | — | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $155 | — | $155 | 11.98% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC. | — | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | — | $65 | $65 | 5.02% |
| GALLINA & LACAVA BENEFITS PLUS3 | — | CIGNA DENTAL HEALTH OF MISSOURI INC. | $115 | — | $115 | 10.03% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC. | — | CIGNA DENTAL HEALTH OF MISSOURI INC. | — | $46 | $46 | 4.01% |
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 | 91 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 91 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 153 | $668K |
| Dental(4 contracts, 4 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 89 | $108K |
| Vision | VISION SERVICE PLAN | 76 | $9K |
| Life insurance(2 contracts, 2 carriers) | COMPANION LIFE INSURANCE COMPANY | 48 | $27K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 27 | $7K |
| Long-term disability | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | 89 | $17K |
| Other(2 contracts, 2 carriers) | COMPANION LIFE INSURANCE COMPANY | 49 | $16K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 153 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.