| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $148K | $148K | 5.47% |
| PROFESSIONAL PENSIONS INC3 | 10 RESEARCH PARKWAY, SUITE 200 WALLINGFORD, CT 06492 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $68K | $68K | 2.52% |
| ALLIANT INSURANCE SERVICES, INC.3 | 101 PARK AVENUE, 12TH FLOOR NEW YORK, NY 10016 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $19K | $0 | $19K | 10.00% |
| PPI BENEFIT SOLUTIONS3 | 10 RESEARCH PARKWAY NEW YORK, NY 06492 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $2K | $6K | $8K | 4.32% |
| PPI BENEFIT SOLUTIONS3 | 10 RESEARCH PARKWAY WALLINGFORD, CT 06492 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $333 | $970 | $1K | 0.68% |
| BARBARA FONTI3 | 223 WALL STREET, SUITE 159 HUNTINGTON, NY 11743 | AFLAC | $1K | $89 | $1K | 6.86% |
| MJ INSURANCE3 Filed as: PERRY MEDINA AND VARIOUS AGENTS | 1128 WASHINGTON GREEN NEW WINDSOR, NY 12553 | AFLAC | $504 | $30 | $534 | 2.95% |
| PATRICK RUHLE3 | 200 GARDEN CITY PLAZA, SUITE 410 GARDEN CITY, NY 11530 | AFLAC | $220 | $28 | $248 | 1.37% |
| WILLIAM WHICHER3 | 11 KEENAN PLACE GARDEN CITY, NY 11530 | AFLAC | $212 | $28 | $240 | 1.32% |
| DON'T SWEAT LIFE INC3 | 160 MIDDLE NECK ROAD, APARTMENT 3B GREAT NECK, NY 11021 | AFLAC | $134 | $0 | $134 | 0.74% |
| STEVEN BASSIN3 | 45 HERITAGE DRIVE, APARTMENT A NEW CITY, NY 10956 | AFLAC | $102 | $0 | $102 | 0.56% |
| ANTHONY CAVALLARO3 | 1 BAY CLUB DRIVE, APARTMENT 4A BAYSIDE, NY 11360 | AFLAC | $97 | $0 | $97 | 0.54% |
| CAREN WASSERMAN4 | 61 COTTONWOOD COURT WANTAGH, NY 11793 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $90 | $0 | $90 | 8.06% |
| WALTER POPPE4 | 1002 AUBURN STREET FRANKLIN SQUARE, NY 11010 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $60 | $0 | $60 | 5.38% |
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 | 355 | 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) | 355 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 354 | $2.7M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 354 | $2.7M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 354 | $2.7M |
| Life insurance | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | 355 | $191K |
| Short-term disability | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | 355 | $191K |
| Long-term disability | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | 355 | $191K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 354 | $2.7M |
| Other(4 contracts, 4 carriers) | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | 973 | $218K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 973 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.