| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STERLING AND STERLING, INC.3 Filed as: STERLING & STERLING INC | PO BOX 9017 WOODBURY, NY 11797 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $100K | — | $100K | 9.51% |
| STERLING AND STERLING, INC.3 Filed as: STERLING & STERLING INC. | PO BOX 9017 WOODBURY, NY 11797 | AETNA LIFE INSURANCE COMPANY | $13K | — | $13K | 9.16% |
| EMERSON REID LLC3 | EMPIRE STATE BUILDING NEW YORK, NY 10118 | AETNA LIFE INSURANCE COMPANY | $6K | — | $6K | 4.00% |
| STERLING AND STERLING, INC.3 Filed as: STERLING & STERLING INC | 135 CROSSWAYS PARK DRIVE PO BOX 9017 WOODBURY, NY 11797 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $12K | — | $12K | 10.00% |
| HEALTHY BUSINESS GROUP LLC3 Filed as: HEALTHY BUSINESS GROUP | 34 BAY STREET PO BOX 1346 SAG HARBOR, NY 11963 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $6K | — | $6K | 5.00% |
| EMERSON REID LLC3 | 1787 SENTRY PARKWAY W SUITE 320 BUILDING 16 BLUE BELL, PA 194222240 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | — | $3K | $3K | 2.12% |
| STERLING AND STERLING, INC.3 Filed as: STERLING & STERLING INC | 135 CROSSWAYS PARK DRIVE PO BOX 9017 WOODBURY, NY 11797 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $11K | — | $11K | 10.00% |
| HEALTHY BUSINESS GROUP LLC3 Filed as: HEALTHY BUSINESS GROUP | 34 BAY STREET PO BOX 1346 SAG HARBOR, NY 11963 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $5K | — | $5K | 5.00% |
| EMERSON REID LLC3 | 1787 SENTRY PARKWAY W SUITE 320 BUILDING 16 BLUE BELL, PA 194222240 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | — | $2K | $2K | 1.85% |
| STERLING AND STERLING, INC.3 Filed as: STERLING & STERLING INC. | PO BOX 9017 WOODBURY, NY 11797 | VISION SERVICE PLAN | $1K | — | $1K | 4.16% |
| PREMIER CONSULTING PARTNERS LLC3 | 1000 WOODBURY ROAD SUITE 300 WOODBURY, NY 11797 | VISION SERVICE PLAN | $151 | — | $151 | 0.50% |
| STERLING AND STERLING, INC.3 Filed as: STERLING & STERLING INC | 135 CROSSWAYS PARK DRIVE PO BOX 9017 WOODBURY, NY 11797 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $953 | — | $953 | 10.00% |
| HEALTHY BUSINESS GROUP LLC3 Filed as: HEALTHY BUSINESS GROUP | 34 BAY STREET PO BOX 1346 SAG HARBOR, NY 11963 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $477 | — | $477 | 5.00% |
| EMERSON REID LLC3 | 1787 SENTRY PARKWAY W SUITE 320 BUILDING 16 BLUE BELL, PA 194222240 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | — | $193 | $193 | 2.02% |
| STERLING AND STERLING, INC.3 Filed as: STERLING & STERLING INC | 135 CROSSWAYS PARK DRIVE PO BOX 9017 WOODBURY, NY 11797 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $572 | — | $572 | 10.00% |
| HEALTHY BUSINESS GROUP LLC3 Filed as: HEALTHY BUSINESS GROUP | 34 BAY STREET PO BOX 1346 SAG HARBOR, NY 11963 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $286 | — | $286 | 5.00% |
| EMERSON REID LLC3 | 1787 SENTRY PARKWAY W SUITE 320 BUILDING 16 BLUE BELL, PA 194222240 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | — | $124 | $124 | 2.17% |
| STERLING AND STERLING, INC.3 Filed as: STERLING & STERLING INC | 135 CROSSWAYS PARK DRIVE PO BOX 9017 WOODBURY, NY 11797 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $75 | — | $75 | 15.00% |
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 | 494 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 495 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 208 | $1.1M |
| Dental | AETNA LIFE INSURANCE COMPANY | 391 | $142K |
| Vision | VISION SERVICE PLAN | 168 | $30K |
| Life insurance | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | 494 | $110K |
| Short-term disability | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | 79 | $10K |
| Long-term disability | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | 452 | $124K |
| Other(3 contracts) | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | 494 | $116K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 494 | — |
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.