| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $0 | $304K | $304K | 4.58% |
| ACRISURE LLC3 Filed as: ACRISURE PGM INSURANCE SERVICES | 311 CLOCK TOWER COMMONS DRIVE BREWSTER, NY 10509 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $0 | $91K | $91K | 1.38% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 7500 OLD GEORGETOWN ROAD, SUITE 925 BETHESDA, MD 20814 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $0 | $28K | $28K | 0.42% |
| ALLIANT INSURANCE SERVICES, INC.3 | 101 PARK AVENUE, 14TH FLOOR NEW YORK, NY 10178 | HARTFORD LIFE AND ACCIDENT | $4K | $0 | $4K | 3.65% |
| ALLIANT INSURANCE SERVICES, INC.3 | 1125 SANCTUARY PARKWAY ALPHARETTA, GA 30009 | HARTFORD LIFE AND ACCIDENT | $0 | $3K | $3K | 2.71% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, LLC | 7500 OLD GEORGETOWN ROAD, SUITE 925 BETHESDA, MD 20814 | S&S HEALTHCARE | $1K | $0 | $1K | 1.30% |
| ALLIANT INSURANCE SERVICES, INC.3 | 320 WEST 57TH STREET NEW YORK, NY 10019 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $7K | $591 | $7K | 9.74% |
| MCO PARTNERS LLC3 | 315 WEST 39TH STREET, SUITE 303 NEW YORK, NY 10018 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $417 | $2K | 3.01% |
| DRUSILLA ROBERTSON3 | 678 WARBURTON AVENUE, APARTMENT 7C YONKERS, NY 10701 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $345 | $54 | $399 | 0.53% |
| PAMELA SUSAN LEVY3 | 150 50TH AVENUE LONG ISLAND CITY, NY 11101 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $265 | $36 | $301 | 0.40% |
| YOLANDA TRISTANCHO-HELWIG3 | 315 WEST 39TH STREET, ROOM 303 NEW YORK, NY 10018 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $223 | $0 | $223 | 0.29% |
| MJ INSURANCE3 Filed as: MARC M. MORROW AND VARIOUS AGENTS | 3431 RAYFORD ROAD, SUITE 200 SPRING, TX 77386 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $191 | $0 | $191 | 0.25% |
| MICHELE CONSTANTINO3 | 901 STUYVESTANT AVENUE APARTMENT 107 UNION, NJ 07083 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $74 | $0 | $74 | 0.10% |
| ALLIANT INSURANCE SERVICES, INC.3 | 320 WEST 57TH STREET NEW YORK, NY 10019 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6K | $800 | $7K | 11.68% |
| MCO PARTNERS LLC3 | 315 WEST 39TH STREET, SUITE 303 NEW YORK, NY 10018 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $572 | $2K | 3.76% |
| DRUSILLA ROBERTSON3 | 678 WARBURTON AVENUE, APARTMENT 7C YONKERS, NY 10701 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $431 | $71 | $502 | 0.83% |
| PAMELA SUSAN LEVY3 | 150 50TH AVENUE LONG ISLAND CITY, NY 11101 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $338 | $46 | $384 | 0.63% |
| YOLANDA TRISTANCHO-HELWIG3 | 315 WEST 39TH STREET, ROOM 303 NEW YORK, NY 10018 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $203 | $0 | $203 | 0.34% |
| MJ INSURANCE3 Filed as: EMANUEL J ASURZA AND VARIOUS AGENTS | 10445 ATLANTIC AVENUE RICHMOND HILL, NY 11418 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $59 | $0 | $59 | 0.10% |
| GUSTAVO TODE3 | 20607 DUCK POND PLACE GERMANTOWN, MD 20874 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $36 | $0 | $36 | 0.06% |
| ALLIANT INSURANCE SERVICES, INC.3 | 320 WEST 57TH STREET NEW YORK, NY 10019 | THE PAUL REVERE LIFE INSURANCE COMPANY | $2K | $0 | $2K | 10.33% |
| MCO PARTNERS LLC3 | 315 WEST 39TH STREET, SUITE 303 NEW YORK, NY 10018 | THE PAUL REVERE LIFE INSURANCE COMPANY | $617 | $109 | $726 | 3.05% |
| PAMELA SUSAN LEVY3 | 150 50TH AVENUE LONG ISLAND CITY, NY 11101 | THE PAUL REVERE LIFE INSURANCE COMPANY | $159 | $30 | $189 | 0.80% |
| DRUSILLA ROBERTSON3 | 678 WARBURTON AVENUE, APARTMENT 7C YONKERS, NY 10701 | THE PAUL REVERE LIFE INSURANCE COMPANY | $167 | $18 | $185 | 0.78% |
| YOLANDA TRISTANCHO-HELWIG3 | 315 WEST 39TH STREET, ROOM 303 NEW YORK, NY 10018 | THE PAUL REVERE LIFE INSURANCE COMPANY | $88 | $0 | $88 | 0.37% |
| JENNIFER E LUBELSKY3 Filed as: JENNIFER E. LUBELSKY | 80 JOHN STREET, APARTMENT 11C NEW YORK, NY 10038 | THE PAUL REVERE LIFE INSURANCE COMPANY | $27 | $0 | $27 | 0.11% |
| MICHAEL ANGELO ARROYO3 | 28 OXFORD PLACE STATEN ISLAND, NY 10301 | THE PAUL REVERE LIFE INSURANCE COMPANY | $2 | $0 | $2 | 0.01% |
| ALLIANT INSURANCE SERVICES, INC.3 | 320 WEST 57TH STREET NEW YORK, NY 10019 | THE PAUL REVERE LIFE INSURANCE COMPANY | $1K | $0 | $1K | 10.71% |
| MCO PARTNERS LLC3 | 315 WEST 39TH STREET, SUITE 303 NEW YORK, NY 10018 | THE PAUL REVERE LIFE INSURANCE COMPANY | $392 | $96 | $488 | 4.22% |
| PAMELA SUSAN LEVY3 | 150 50TH AVENUE LONG ISLAND CITY, NY 11101 | THE PAUL REVERE LIFE INSURANCE COMPANY | $141 | $25 | $166 | 1.44% |
| DRUSILLA ROBERTSON3 | 678 WARBURTON AVENUE, APARTMENT 7C YONKERS, NY 10701 | THE PAUL REVERE LIFE INSURANCE COMPANY | $117 | $13 | $130 | 1.13% |
| YOLANDA TRISTANCHO-HELWIG3 | 315 WEST 39TH STREET, ROOM 303 NEW YORK, NY 10018 | THE PAUL REVERE LIFE INSURANCE COMPANY | $43 | $0 | $43 | 0.37% |
| MICHELE CONSTANTINO3 | 901 STUYVESTANT AVENUE APARTMENT 107 UNION, NJ 07083 | THE PAUL REVERE LIFE INSURANCE COMPANY | $21 | $0 | $21 | 0.18% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $1K | $0 | $1K | 17.67% |
| RISK STRATEGIES COMPANY3 | 160 FEDERAL STREET, 4TH FLOOR BOSTON, MA 02110 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $19 | $0 | $19 | 0.27% |
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 | 716 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 716 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 426 | $6.7M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 426 | $6.6M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 426 | $6.6M |
| Life insurance(5 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 716 | $273K |
| Short-term disability(4 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 59 | $172K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 426 | $6.6M |
| Other(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 716 | $6.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 716 | — |
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.
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.