| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PREMIER CONSULTING PARTNERS LLC3 | 1000 WOODBURY RD SUITE 300 WOODBURY, NY 11797 | AETNA LIFE INSURANCE COMPANY | $16K | — | $16K | 10.61% |
| DONALD C SAVOY INC3 | 25B HANOVER ROAD SUITE 220 FLORHAM PARK, NJ 07932 | AETNA LIFE INSURANCE COMPANY | $6K | — | $6K | 4.38% |
| 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 | $17K | — | $17K | 12.58% |
| 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 | 8.39% |
| EMERSON REID LLC3 | 1787 SENTRY PARKWAY W SUITE 320 BUILDING 16 BLUE BELL, PA 194222240 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | -$403 | $2K | $1K | 0.91% |
| SAVOY ASSOCIATES3 | 25B HANOVER ROAD SUITE 220 FLORHAM PARK, NJ 07932 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | — | $1K | $1K | 0.80% |
| HEALTHY BUSINESS GROUP LLC3 Filed as: HEALTHY BUSINESS GROUP | 34 BAY STREET PO BOX 1346 SAG HARBOR, NY 11963 | NEW YORK LIFE INSURANCE COMPANY OF NEW YORK | $15K | — | $15K | 12.44% |
| STERLING AND STERLING, INC.3 Filed as: STERLING & STERLING INC | 135 CROSSWAYS PARK DRIVE PO BOX 9017 WOODBURY, NY 11797 | NEW YORK LIFE INSURANCE COMPANY OF NEW YORK | $10K | — | $10K | 8.29% |
| EMERSON REID LLC3 | 1787 SENTRY PARKWAY W SUITE 320 BUILDING 16 BLUE BELL, PA 194222240 | NEW YORK LIFE INSURANCE COMPANY OF NEW YORK | -$498 | $2K | $1K | 0.85% |
| SAVOY ASSOCIATES3 | 25B HANOVER ROAD SUITE 220 FLORHAM PARK, NJ 07932 | NEW YORK LIFE INSURANCE COMPANY OF NEW YORK | — | $1K | $1K | 0.85% |
| PREMIER CONSULTING PARTNERS LLC3 | 1000 WOODBURY ROAD SUITE 300 WOODBURY, NY 11797 | VISION SERVICE PLAN | $1K | — | $1K | 4.65% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL PR | PO BOX 195556 SAN JUAN, PR 009195556 | HUMANA INSURANCE OF PUERTO RICO, INC. | $1K | — | $1K | 4.20% |
| HEALTHY BUSINESS GROUP LLC3 Filed as: HEALTHY BUSINESS GROUP | 34 BAY STREET PO BOX 1346 SAG HARBOR, NY 11963 | NEW YORK LIFE INSURANCE COMPANY OF NEW YORK | $1K | — | $1K | 12.43% |
| STERLING AND STERLING, INC.3 Filed as: STERLING & STERLING INC | 135 CROSSWAYS PARK DRIVE PO BOX 9017 WOODBURY, NY 11797 | NEW YORK LIFE INSURANCE COMPANY OF NEW YORK | $969 | — | $969 | 8.26% |
| SAVOY ASSOCIATES3 | 25B HANOVER ROAD SUITE 220 FLORHAM PARK, NJ 07932 | NEW YORK LIFE INSURANCE COMPANY OF NEW YORK | — | $102 | $102 | 0.87% |
| EMERSON REID LLC3 | 1787 SENTRY PARKWAY W SUITE 320 BUILDING 16 BLUE BELL, PA 194222240 | NEW YORK LIFE INSURANCE COMPANY OF NEW YORK | -$52 | $151 | $99 | 0.84% |
| PREMIER CONSULTING PARTNERS LLC3 Filed as: PREMIER CONSULTING PARTNERS | 1000 WOODBURY RD SUITE 300 WOODBURY, NY 11797 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $1K | — | $1K | 17.28% |
| SAVOY ASSOCIATES3 | 25B HANOVER ROAD SUITE 220 FLORHAM PARK, NJ 07932 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | — | $345 | $345 | 4.99% |
| HEALTHY BUSINESS GROUP LLC3 Filed as: HEALTHY BUSINESS GROUP | 34 BAY STREET PO BOX 1346 SAG HARBOR, NY 11963 | NEW YORK LIFE INSURANCE COMPANY OF NEW YORK | $715 | — | $715 | 11.59% |
| STERLING AND STERLING, INC.3 Filed as: STERLING & STERLING INC | 135 CROSSWAYS PARK DR PO BOX 9017 WOODBURY, NY 11797 | NEW YORK LIFE INSURANCE COMPANY OF NEW YORK | $512 | — | $512 | 8.30% |
| EMERSON REID LLC3 | 1787 SENTRY PARKWAY W VEVA BUILDING 16 SUITE 320 BLUE BELL, PA 19422 | NEW YORK LIFE INSURANCE COMPANY OF NEW YORK | — | $26 | $26 | 0.42% |
| PREMIER CONSULTING PARTNERS LLC3 | 1000 WOODBURY RD SUITE 300 WOODBURY, NY 11797 | NEW YORK LIFE INSURANCE COMPANY OF NEW YORK | $75 | — | $75 | 15.00% |
| SAVOY ASSOCIATES3 | 25B HANOVER ROAD SUITE 220 FLORHAM PARK, NJ 07932 | NEW YORK LIFE INSURANCE COMPANY OF NEW YORK | — | $25 | $25 | 5.00% |
| EMERSON REID LLC3 | 1787 SENTRY PARKWAY W VEVA BUILDING 16 SUITE 320 BLUE BELL, PA 19422 | CIGNA LIFE INSURANCE CO OF NEW YORK | — | $11K | $11K | — |
| HEALTHY BUSINESS GROUP LLC3 Filed as: HEALTHY BUSINESS GROUP | 34 BAY STREET PO BOX 1346 SAG HARBOR, NY 11963 | CIGNA LIFE INSURANCE CO OF NEW YORK | — | $2K | $2K | — |
| EMERSON REID LLC3 | 1787 SENTRY PARKWAY W VEVA BUILDING 16 SUITE 320 BLUE BELL, PA 19422 | CIGNA LIFE INSURANCE CO OF NEW YORK | — | $13K | $13K | — |
| HEALTHY BUSINESS GROUP LLC3 Filed as: HEALTHY BUSINESS GROUP | 34 BAY STREET PO BOX 1346 SAG HARBOR, NY 11963 | CIGNA LIFE INSURANCE CO OF NEW YORK | — | $3K | $3K | — |
| EMERSON REID LLC3 | 1787 SENTRY PARKWAY W VEVA BUILDING 16 SUITE 320 BLUE BELL, PA 19422 | CIGNA LIFE INSURANCE CO OF NEW YORK | — | $959 | $959 | — |
| HEALTHY BUSINESS GROUP LLC3 Filed as: HEALTHY BUSINESS GROUP | 34 BAY STREET PO BOX 1346 SAG HARBOR, NY 11963 | CIGNA LIFE INSURANCE CO OF NEW YORK | — | $211 | $211 | — |
| EMERSON REID LLC3 | 1787 SENTRY PARKWAY W VEVA BUILDING 16 SUITE 320 BLUE BELL, PA 19422 | CIGNA LIFE INSURANCE CO OF NEW YORK | — | $595 | $595 | — |
| HEALTHY BUSINESS GROUP LLC3 Filed as: HEALTHY BUSINESS GROUP | 34 BAY STREET PO BOX 1346 SAG HARBOR, NY 11963 | CIGNA LIFE INSURANCE CO OF NEW YORK | — | $125 | $125 | — |
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 | 430 | 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) | 431 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HUMANA INSURANCE OF PUERTO RICO, INC. | 6 | $26K |
| Dental | AETNA LIFE INSURANCE COMPANY | 430 | $148K |
| Vision | VISION SERVICE PLAN | 186 | $31K |
| Life insurance(2 contracts, 2 carriers) | NEW YORK LIFE INSURANCE COMPANY OF NEW YORK | 430 | $118K |
| Short-term disability(3 contracts, 2 carriers) | NEW YORK LIFE INSURANCE COMPANY OF NEW YORK | 430 | $12K |
| Long-term disability(2 contracts, 2 carriers) | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | 430 | $134K |
| Other(6 contracts, 3 carriers) | NEW YORK LIFE INSURANCE COMPANY OF NEW YORK | 430 | $131K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 430 | — |
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.