| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HEALTHY BUSINESS GROUP LLC3 Filed as: HEALTHY BUSINESS GROUP, LLC | 34 BAY STREET PO BOX 1346 SAG HARBOR, NY 119630000 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $24K | $0 | $24K | 1.70% |
| GARY WOOD ASSOCIATES, INC.3 | 825 THIRD AVE. 2ND FL NEW YORK, NY 10022 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $10K | $0 | $10K | 0.70% |
| EMERSON REID LLC3 | 1787 SENTRY PKWY W VEVA 16 SUITE 320 BLUE BELL, PA 19422 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $15K | $4K | $19K | 15.27% |
| YVONNE SOURRAGH3 | 111 GORHAM AVE. HAMDEN, CT 06514 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 1.46% |
| GARY WOOD ASSOCIATES, INC.3 | 825 THIRD AVE. 2ND FL NEW YORK, NY 10022 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $5K | $0 | $5K | 9.94% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FIN SERV (NY) | 1133 WESTCHESTER AVE. SUITE 229 WHITE PLAINS, NY 106040000 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $2K | $2K | 3.98% |
| GARY WOOD ASSOCIATES, INC.3 | 825 THIRD AVE. 2ND FL NEW YORK, NY 10022 | FIRST UNUM LIFE INSURANCE COMPANY | $3K | $0 | $3K | 8.78% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 62939 VIRGINIA BEACH, VA 23466 | FIRST UNUM LIFE INSURANCE COMPANY | $916 | $98 | $1K | 3.54% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 62939 VIRGINIA BEACH, VA 23466 | EYEMED | $823 | $0 | $823 | 9.25% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: COOK MARAN AND ASSOCIATES, INC. | 461 PANTIGO ROAD EAST HAMPTON, NY 119370000 | FEDERAL INSURANCE COMPANY | $525 | $0 | $525 | 15.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| GARY WOOD ASSOCIATES, INC. NONE | Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | 825 THIRD AVE. 2NDFL NEW YORK, NY 10022 | $71K |
| CENTERSTONE INS & FIN SERV (NY) NONE | Insurance brokerage commissions and fees; Insurance agents and brokers Service code 22 | 1133 WESTCHESTER AVE. SUITE 229 WHITE PLAINS, NY 106040000 | $28K |
| CHOICE STRATEGIES NONE | Claims processing; Contract Administrator Service code 12 | PO BOX 2205 SOUTH BURLINGTON, VA 05407 | $5K |
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 NONE | Contract Administrator; Claims processing Service code 12 | — | $5K |
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 | 102 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 107 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 151 | $1.4M |
| Dental(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 134 | $174K |
| Vision | EYEMED | 131 | $9K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 134 | $125K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 134 | $125K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 137 | $29K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 151 | $1.4M |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 150 | $128K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 151 | — |
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.
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.