| 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 AND AFFILIATES | $17K | $0 | $17K | 7.24% |
| PROFESSIONAL PENSIONS INC3 | 10 RESEARCH PARKWAY, SUITE 200 WALLINGFORD, CT 06492 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $0 | $8K | $8K | 3.59% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | $16K | $0 | $16K | 10.00% |
| PROFESSIONAL PENSIONS INC3 | 10 RESEARCH PARKWAY WALLINGFORD, CT 06492 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | -$38 | $8K | $8K | 5.00% |
| BARBARA FONTI3 | 223 WALL STREET, SUITE 159 HUNTINGTON, NY 11743 | AFLAC | $2K | $8 | $2K | 7.30% |
| MJ INSURANCE3 Filed as: DON'T SWEAT LIFE AND VARIOUS AGENTS | 160 MIDDLE NECK ROAD, APARTMENT 3B GREAT NECK, NY 11021 | AFLAC | $914 | $4 | $918 | 3.79% |
| WILLIAM WHICHER3 | 11 KENNAN PLACE GARDEN CITY, NY 11530 | AFLAC | $346 | $2 | $348 | 1.44% |
| PATRICK RUHLE3 | 200 GARDEN CITY PLAZA, SUITE 410 GARDEN CITY, NY 11530 | AFLAC | $325 | $2 | $327 | 1.35% |
| CHRISTOPHER TARI3 | 1179 WEBBER AVENUE SOUTH HEMPSTEAD, NY 11550 | AFLAC | $182 | $0 | $182 | 0.75% |
| JAMES ROBERT CONFORT3 Filed as: JAMES CONFORT | 3 SUNSET LANE GARDEN CITY, NY 11530 | AFLAC | $182 | $0 | $182 | 0.75% |
| ANTHONY CAVALLARO3 | 1 BAY CLUB DRIVE, APARTMENT 4A BAYSIDE, NY 11360 | AFLAC | $173 | $0 | $173 | 0.72% |
| CARREN WASSERMAN4 | 61 COTTONWOOD COURT WANTAGH, NY 11793 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $228 | $0 | $228 | 16.18% |
| WALTER POPPE4 | 1002 AUBURN STREET FRANKLIN SQUARE, NY 11010 | PRE-PAID LEGAL SERVICES, INC. DBA LEGALSHIELD | $98 | $0 | $98 | 6.96% |
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 | 225 | 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) | 225 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 225 | $234K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 225 | $234K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 225 | $234K |
| Life insurance | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | 225 | $160K |
| Short-term disability | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | 225 | $160K |
| Long-term disability | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | 225 | $160K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 225 | $234K |
| Other(4 contracts, 4 carriers) | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | 900 | $193K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 900 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.