| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STERLING AND STERLING, INC.3 Filed as: STERLING AND STERLING, INC | 135 CROSSWAYS PARK DRIVE WOODBURY, NY 11797 | REGENCE BLUECROSS BLUESHIELD OF OREGON | $5K | $0 | $5K | 1.33% |
| BRATRUD MIDDLETON INS BROKERS INC3 Filed as: BRATRUD MIDDLETON INS. BROKERS, INC | PO BOX 2940 TACOMA, WA 98401 | REGENCE BLUECROSS BLUESHIELD OF OREGON | $5K | $0 | $5K | 1.33% |
| STERLING AND STERLING, INC.3 Filed as: STERLING AND STERLING, INC | 135 CROSSWAYS PARK DRIVE WOODBURY, NY 11797 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $23K | $0 | $23K | 10.01% |
| HEALTHY BUSINESS GROUP LLC3 Filed as: HEALTHY BUISNESS GROUP | 34 BAY STREET SAG HARBOR, NY 11963 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $6K | $0 | $6K | 2.86% |
| HEALTHY BUSINESS GROUP LLC3 Filed as: HEALTHY BUISNESS GROUP | 34 BAY STREET SIG HARBOR, NY 11963 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $5K | $0 | $5K | 2.13% |
| STERLING AND STERLING, INC.3 Filed as: STERLING AND STERLING, INC | 135 CROSSWAYS PARK DRIVE WOODBURY, NY 11797 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $18K | $0 | $18K | 9.93% |
| HEALTHY BUSINESS GROUP LLC3 Filed as: HEALTHY BUISNESS GROUP LLC | 34 BAY STREET SAG HARBOR, NY 11963 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $0 | $7K | $7K | 3.97% |
| STERLING AND STERLING, INC.3 Filed as: STERLING AND STERLING, INC | 135 CROSSWAYS PARK DRIVE WOODBURY, NY 11797 | VISION SERVICE PLAN | $1K | $0 | $1K | 4.60% |
| PROPER INSURANCE AGENCY LLC3 Filed as: PROPER INSURANCE AGENCY,LLC | PO BOX 2940 TACOMA, WA 98401 | AMERITAS LIFE INSURANCE CORPORATION | $192 | $215 | $407 | 10.59% |
| STERLING AND STERLING, INC.3 Filed as: STERLING AND STERLING, INC | 135 CROSSWAYS PARK DRIVE WOODBURY, NY 11797 | AMERITAS LIFE INSURANCE CORPORATION | $192 | $0 | $192 | 4.99% |
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 | 360 | 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) | 360 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | REGENCE BLUECROSS BLUESHIELD OF OREGON | 37 | $341K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 180 | $178K |
| Vision(2 contracts, 2 carriers) | VISION SERVICE PLAN | 151 | $35K |
| Life insurance | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | 208 | $226K |
| Short-term disability | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | 208 | $226K |
| Long-term disability | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | 208 | $226K |
| Prescription drug | REGENCE BLUECROSS BLUESHIELD OF OREGON | 37 | $341K |
| Other | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | 208 | $226K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 208 | — |
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.