| 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 | $21K | $350K | $371K | 5.11% |
| PROFESSIONAL GROUP MARKETING INC3 Filed as: PROFESSIONAL GROUP MARKETING, INC. | 311 CLOCK TOWER COMMONS DRIVE BREWSTER, NY 10509 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $0 | $106K | $106K | 1.46% |
| 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 | $9K | $9K | 0.13% |
| ALLIANT INSURANCE SERVICES, INC.3 | 101 PARK AVENUE, 12TH FLOOR NEW YORK, NY 10016 | HARTFORD LIFE AND ACCIDENT | $3K | $0 | $3K | 3.03% |
| ALLIANT INSURANCE SERVICES, INC.3 | 1125 SANCTUARY PARKWAY, SUITE 300 ALPHARETTA, GA 30009 | HARTFORD LIFE AND ACCIDENT | $0 | $1K | $1K | 0.98% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | HARTFORD LIFE AND ACCIDENT | $0 | $323 | $323 | 0.31% |
| ALLIANT INSURANCE SERVICES, INC.3 | 320 WEST 57TH STREET NEW YORK, NY 10019 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8K | $2K | $10K | 13.54% |
| MCO PARTNERS LLC3 | 315 WEST 39TH STREET, SUITE 303 NEW YORK, NY 10018 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2K | $909 | $3K | 4.72% |
| PAMELA SUSAN LEVY3 | 150 50TH AVENUE, APARTMENT 3109 LONG ISLAND CITY, NY 11101 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $579 | $158 | $737 | 1.03% |
| DRUSILLA ROBERTSON3 | 678 WARBURTON AVENUE, APARTMENT 7C YONKERS, NY 10701 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $522 | $77 | $599 | 0.84% |
| MICHAEL ANGELO ARROYO3 | 28 OXFORD PLACE STATEN ISLAND, NY 10301 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $416 | $0 | $416 | 0.58% |
| JENNIFER E LUBELSKY3 Filed as: JENNIFER LUBELSKY AND OTHER AGENTS | 80 JOHN STREET, APARTMENT 11C NEW YORK, NY 10038 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $320 | $0 | $320 | 0.45% |
| YOLANDA TRISTANCHO-HELWIG3 | 315 WEST 39TH STREET, ROOM 303 NEW YORK, NY 10018 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $242 | $0 | $242 | 0.34% |
| ALLIANT INSURANCE SERVICES, INC.3 | 320 WEST 57TH STREET NEW YORK, NY 10019 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $8K | $2K | $10K | 16.45% |
| MCO PARTNERS LLC3 | 315 WEST 39TH STREET, SUITE 303 NEW YORK, NY 10018 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $3K | $1K | $4K | 5.78% |
| PAMELA SUSAN LEVY3 | 150 50TH AVENUE, APARTMENT 3109 LONG ISLAND CITY, NY 11101 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $823 | $226 | $1K | 1.65% |
| DRUSILLA ROBERTSON3 | 678 WARBURTON AVENUE, APARTMENT 7C YONKERS, NY 10701 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $500 | $74 | $574 | 0.90% |
| MICHAEL ANGELO ARROYO3 | 28 OXFORD PLACE STATEN ISLAND, NY 10301 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $302 | $0 | $302 | 0.48% |
| YOLANDA TRISTANCHO-HELWIG3 | 315 WEST 39TH STREET, ROOM 303 NEW YORK, NY 10018 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $233 | $0 | $233 | 0.37% |
| EMANUEL JULIAN ASURZA3 Filed as: EMANUEL JULIAN ASURZA & OTHER AGENT | 10445 ATLANTIC AVENUE RICHMOND HILL, NY 11418 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $166 | $41 | $207 | 0.33% |
| ALLIANT INSURANCE SERVICES, INC.3 | 320 WEST 57TH STREET NEW YORK, NY 10019 | THE PAUL REVERE LIFE INSURANCE COMPANY | $3K | $0 | $3K | 11.88% |
| MCO PARTNERS LLC3 | 315 WEST 39TH STREET, SUITE 303 NEW YORK, NY 10018 | THE PAUL REVERE LIFE INSURANCE COMPANY | $691 | $109 | $800 | 3.58% |
| PAMELA SUSAN LEVY3 | 150 50TH AVENUE, APARTMENT 3109 LONG ISLAND CITY, NY 11101 | THE PAUL REVERE LIFE INSURANCE COMPANY | $209 | $35 | $244 | 1.09% |
| DRUSILLA ROBERTSON3 | 678 WARBURTON AVENUE, APARTMENT 7C YONKERS, NY 10701 | THE PAUL REVERE LIFE INSURANCE COMPANY | $178 | $15 | $193 | 0.86% |
| YOLANDA TRISTANCHO-HELWIG3 | 315 WEST 39TH STREET, ROOM 303 NEW YORK, NY 10018 | THE PAUL REVERE LIFE INSURANCE COMPANY | $101 | $0 | $101 | 0.45% |
| JENNIFER E LUBELSKY3 Filed as: JENNIFER E. LUBELSKY | 80 JOHN STREET, APARTMENT 11C NEW YORK, NY 10038 | THE PAUL REVERE LIFE INSURANCE COMPANY | $99 | $0 | $99 | 0.44% |
| MICHAEL ANGELO ARROYO3 | 28 OXFORD PLACE STATEN ISLAND, NY 10301 | THE PAUL REVERE LIFE INSURANCE COMPANY | $30 | $0 | $30 | 0.13% |
| ALLIANT INSURANCE SERVICES, INC.3 | 320 WEST 57TH STREET NEW YORK, NY 10019 | THE PAUL REVERE LIFE INSURANCE COMPANY | $1K | $0 | $1K | 12.77% |
| MCO PARTNERS LLC3 | 315 WEST 39TH STREET, SUITE 303 NEW YORK, NY 10018 | THE PAUL REVERE LIFE INSURANCE COMPANY | $373 | $71 | $444 | 4.84% |
| DRUSILLA ROBERTSON3 | 678 WARBURTON AVENUE, APARTMENT 7C YONKERS, NY 10701 | THE PAUL REVERE LIFE INSURANCE COMPANY | $156 | $14 | $170 | 1.85% |
| PAMELA SUSAN LEVY3 | 150 50TH AVENUE, APARTMENT 3109 LONG ISLAND CITY, NY 11101 | THE PAUL REVERE LIFE INSURANCE COMPANY | $110 | $17 | $127 | 1.38% |
| YOLANDA TRISTANCHO-HELWIG3 | 315 WEST 39TH STREET, ROOM 303 NEW YORK, NY 10018 | THE PAUL REVERE LIFE INSURANCE COMPANY | $41 | $0 | $41 | 0.45% |
| MICHELE CONSTANTINO3 | 901 STUYVESANT AVENUE APARTMENT 107 UNION, NJ 07083 | THE PAUL REVERE LIFE INSURANCE COMPANY | $19 | $0 | $19 | 0.21% |
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 | 738 | 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) | 738 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 457 | $7.3M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 457 | $7.3M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 457 | $7.3M |
| Life insurance(5 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 738 | $270K |
| Short-term disability(4 contracts, 2 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 60 | $167K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 457 | $7.3M |
| Other(6 contracts, 4 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 738 | $7.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 738 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.