| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INTEGRATED COVERAGE GROUP3 Filed as: INTEGRATED COVERAGE GROUP INC | 2 BRAMBLE LN MELVILLE, NY 11747 | UNITEDHEALTHCARE INSURANCE COMPANY | $92K | — | $92K | 3.69% |
| FNA INSURANCE SERVICES INC3 | 1000 WOODBURY RD STE 403 WOODBURY, NY 11797 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $14K | $14K | 0.57% |
| INTEGRATED COVERAGE GROUP3 | 20 BRAMBLE LANE MELVILLE, NY 11747 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $8K | — | $8K | 7.32% |
| GREATER METRO AGENCY INC3 Filed as: GREATER METRO AGENCY INC. | 1000 WOODBURY RD SUITE 403 WOODBURY, NY 11797 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $3K | $3K | 2.48% |
| FNA INSURANCE SERVICES INC3 | 1000 WOODBURY RD WOODBURY, NY 11797 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $1K | $1K | 1.19% |
| INTEGRATED COVERAGE GROUP3 | 2 BRAMBLE LANE MELVILLE, NY 11747 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $4K | — | $4K | 5.87% |
| FNA INSURANCE SERVICES IN3 | 1000 WOODBURY RD 4TH FL STE 403 WOODBURY, NY 11797 | CIGNA LIFE INSURANCE CO. OF NEW YORK | — | $3K | $3K | 5.00% |
| INTEGRATED COVERAGE GROUP3 | 20 HEMPSTEAD TPK FARMINGDALE, NY 11735 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | $2K | — | $2K | 5.88% |
| FNA INSURANCE SERVICES IN3 | 1000 WOODBURY RD 4TH FL STE 403 WOODBURY, NY 11797 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | — | $2K | $2K | 5.00% |
| INTEGRATED COVERAGE GROUP3 | 2 BRAMBLE RD MELVILLE, NY 11747 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $3K | — | $3K | 13.91% |
| FNA INSURANCE SERVICES IN3 | 1000 WOODBURY RD 4TH FL STE 403 WOODBURY, NY 11797 | CIGNA LIFE INSURANCE CO. OF NEW YORK | — | $965 | $965 | 5.00% |
| INTEGRATED COVERAGE GROUP3 | 20 BRAMBLE LANE MELVILLE, NY 11747 | CIGNA DENTAL HEALTH OF NEW JERSEY | $1K | — | $1K | 8.00% |
| GREATER METRO AGENCY INC3 | 1000 WOODBURY RD SUITE 403 WOODBURY, NY 11797 | CIGNA DENTAL HEALTH OF NEW JERSEY | — | $445 | $445 | 2.68% |
| FNA INSURANCE SERVICES INC3 | 1000 WOODBURY RD WOODBURY, NY 11797 | CIGNA DENTAL HEALTH OF NEW JERSEY | — | $219 | $219 | 1.32% |
| INTEGRATED COVERAGE GROUP3 | 20 HEMPSTEAD TPK FARMINGDALE, NY 11735 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | $2K | — | $2K | 12.75% |
| FNA INSURANCE SERVICES IN3 | 1000 WOODBURY RD 4TH FL STE 403 WOODBURY, NY 11797 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | — | $624 | $624 | 5.00% |
| INTEGRATED COVERAGE GROUP3 | 2 BRAMBLE LANE MELVILLE, NY 11747 | CIGNA LIFE INSURANCE CO OF NEW YORK | $1K | — | $1K | 29.77% |
| FNA INSURANCE SERVICES IN3 | 1000 WOODBURY RD 4TH FL STE 403 WOODBURY, NY 11797 | CIGNA LIFE INSURANCE CO OF NEW YORK | $365 | $176 | $541 | 15.37% |
| INTEGRATED COVERAGE GROUP3 | 20 HEMPSTEAD TPK MELVILLE, NY 11735 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | $278 | — | $278 | 11.99% |
| FNA INSURANCE SERVICES IN3 | 1000 WOODBURY RD 4TH FL STE 403 WOODBURY, NY 11735 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | — | $116 | $116 | 5.00% |
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 | 88 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 88 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 156 | $2.5M |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 81 | $120K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 81 | $103K |
| Long-term disability(2 contracts, 2 carriers) | CIGNA LIFE INSURANCE CO. OF NEW YORK | 88 | $32K |
| Other(4 contracts, 2 carriers) | CIGNA LIFE INSURANCE CO. OF NEW YORK | 88 | $110K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 156 | — |
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.
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.