| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FOUNDATION RISK PARTNERS CORP3 Filed as: FOUNDATION RISK PARTNERS | 2 AQUARIUM DRIVE, 2ND FLOOR CAMDEN, NJ 08103 | CIGNA HEALTH & LIFE INSURANCE COMPANY | — | $66K | $66K | 2.89% |
| DONALD C SAVOY INC3 Filed as: DONALD C SAVOY INC. | 25B HANOVER ROAD, SUITE 220 FLORHAM PARK, NJ 07932 | CIGNA HEALTH & LIFE INSURANCE COMPANY | $44K | — | $44K | 1.92% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 62819 VIRGINIA BEACH, VA 23466 | CIGNA HEALTH & LIFE INSURANCE COMPANY | — | $22K | $22K | 0.96% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FINANCIAL SVCS | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | GUARDIAN | $19K | $6K | $25K | 11.88% |
| GA SOLUTIONS LLC3 | 50 BROADWAY 2ND FL HAWTHORNE, NY 10532 | HARTFORD LIFE AND ACCIDENT | $10K | $8K | $18K | 10.68% |
| ALEX HERSKOVICH3 | 1213 E 31ST ST BROOKLYN, NY 11210 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | — | $4K | 4.17% |
| AHF GROUP BENEFITS LTD3 | 3023 AVENUE J BROOKLYN, NY 112103837 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | — | $4K | 4.17% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FINANCIAL SVCS | 12404 PARK CENTRAL DR SUITE 300S DALLAS, TX 752511800 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | — | $4K | 4.17% |
| TOTALBEN LLC3 | 1374 E 28TH ST BROOKLYN, NY 11210 | SHELTERPOINT LIFE INSURANCE CO | $4K | — | $4K | 12.00% |
| TOTALBEN LLC3 | 1374 EAST 28TH ST BROOKLYN, NY 11210 | SHELTERPOINT LIFE INSURANCE CO | $157 | — | $157 | 12.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH & LIFE INSURANCE CO EIN 59-1031071 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | — | $88K |
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 | 310 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 316 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH & LIFE INSURANCE COMPANY | 235 | $2.3M |
| Dental(2 contracts, 2 carriers) | GUARDIAN | 344 | $309K |
| Vision(2 contracts) | SHELTERPOINT LIFE INSURANCE CO | 216 | $38K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 304 | $165K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 304 | $165K |
| Other | HARTFORD LIFE AND ACCIDENT | 304 | $165K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 344 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.