| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INTEGRATED COVERAGE GROUP3 Filed as: INTEGRATED COVERAGE GROUP INC | 111 EXPRESS STREET PLAINVIEW, NY 11803 | OXFOD HEALTH INSURANCE INC. | $87K | — | $87K | 3.97% |
| FNA INSURANCE SERVICES INC3 Filed as: FNA INSURANCE SERVICES INC - GA | 1000 WOODBURY ROAD SUITE 403, 4TH FLOOR WOODBURY, NY 11797 | OXFOD HEALTH INSURANCE INC. | — | $16K | $16K | 0.74% |
| INTEGRATED COVERAGE GROUP3 | 111 EXPRESS STREET PLAINVIEW, NY 11803 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $8K | — | $8K | 7.32% |
| GREATER METRO AGENCY INC3 | 1000 WOODBURY ROAD SUITE 403 WOODBURY, NY 11797 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | — | $4K | $4K | 3.66% |
| INTERGRATED COVERAGE GROUP3 | 20 HEMPSTEAD TPK FARMINGDALE, NY 11735 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $3K | — | $3K | 7.00% |
| FNA INSURANCE SERVICES INC3 Filed as: FNA INSURANCE SRVICES IN | 1000 WOODBURY ROAD 4TH FLOOR SUITE 403 WOODBURY, NY 11797 | CIGNA LIFE INSURANCE CO. OF NEW YORK | — | $2K | $2K | 5.00% |
| INTEGRATED COVERAGE GROUP3 | 20 HEMPSTEAD TPK FARMINGDALE, NY 11735 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $2K | — | $2K | 14.30% |
| FNA INSURANCE SERVICES IN3 | 1000 WOODBURY ROAD SUITE 403 4TH FLOOR WOODBURY, NY 11797 | CIGNA LIFE INSURANCE CO. OF NEW YORK | — | $873 | $873 | 5.00% |
| INTEGRATED COVERAGE GROUP3 | 111 EXPRESS STREET PLAINVIEW, NY 11803 | CIGNA DENTAL HEALTH OF NEW JERSEY INC | $1K | — | $1K | 8.00% |
| GREATER METRO AGENCY INC3 | 1000 WOODBURY ROAD SUITE 403 WOODBURY, NY 11797 | CIGNA DENTAL HEALTH OF NEW JERSEY INC | — | $564 | $564 | 4.00% |
| INTEGRATED COVERAGE GROUP3 | 20 HEMPSTEAD TPK FARMINGDALE, NY 11735 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $1K | — | $1K | 37.11% |
| FNA INSURANCE SERVICES INC3 Filed as: FNA INSURANCE SERVICE IN | 1000 WOODBURY ROAD 4TH FLOOR SUITE 403 WOODBURY, NY 11797 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $357 | $144 | $501 | 17.43% |
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 | 103 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 103 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | OXFOD HEALTH INSURANCE INC. | 178 | $2.2M |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 87 | $121K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 87 | $107K |
| Life insurance | CIGNA LIFE INSURANCE CO. OF NEW YORK | 100 | $50K |
| Long-term disability | CIGNA LIFE INSURANCE CO. OF NEW YORK | 100 | $17K |
| Other | CIGNA LIFE INSURANCE CO. OF NEW YORK | 103 | $3K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 178 | — |
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."
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.