| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RONALD L ROSENBERG3 | 1001 READS LANE FAR ROCKAWAY, NY 11691 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $57K | — | $57K | 12.66% |
| HEALTHY BUSINESS GROUP LLC3 | 34 BAY STREET HARBOR, NY 11963 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $23K | — | $23K | 5.06% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $5K | $5K | 1.12% |
| RONALD ROSENBERG3 | 1001 READS LANE FAR ROCKAWAY, NY 11691 | CIGNA HEALTH & LIFE INSURANCE COMPANY | $13K | — | $13K | 9.91% |
| HEALTHY BUSINESS GROUP LLC3 | 34 BAY STREET PO BOX 1346 SAG HARBOR, NY 11963 | CIGNA HEALTH & LIFE INSURANCE COMPANY | — | $5K | $5K | 3.96% |
| FNA INSURANCE SERVICES INC3 | 180 RIVER ROAD 2ND FLOOR SUMMIT, NJ 07901 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | $581 | $3K | 17.69% |
| FNA INSURANCE SERVICES INC3 | 100 SUNNYSIDE BOULEVARD WOODBURY, NY 11797 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 14.09% |
| FNA INSURANCE SERVICES INC3 | 100 SUNNYSIDE BOULEVARD WOODBURY, NY 11797 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 18.35% |
| FNA INSURANCE SERVICES INC3 | 100 SUNNYSIDE BOULEVARD WOODBURY, NY 11797 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 15.36% |
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 | 176 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 8 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 185 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 162 | $447K |
| Dental | CIGNA HEALTH & LIFE INSURANCE COMPANY | 162 | $132K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 163 | $16K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 176 | $16K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 29 | $12K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 29 | $12K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 176 | $30K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 176 | — |
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.