| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MANCHESTER BENEFITS GROUP INC3 Filed as: MANCHESTER BENEFITS GROUP, INC. | PO BOX 607 MILLBROOK, NY 12545 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $27K | $0 | $27K | 4.18% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | PO BOX 350 CONSHOHOCKEN, PA 19428 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $20K | $0 | $20K | 3.07% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC. | 225 WIRELESS BOULEVARD, SUITE 200 HAUPPAUGE, NY 11788 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $0 | $19K | $19K | 2.86% |
| MANCHESTER BENEFITS GROUP INC3 Filed as: MANCHESTER BENEFITS GROUP, INC. | POB 607 MILLBROOK, NY 12545 | ANTHEM LIFE AND DISABILITY INS CO | $12K | $0 | $12K | 2.47% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 2929 ALLEN PARKWAY, SUITE 2500 HOUSTON, TX 77019 | ANTHEM LIFE AND DISABILITY INS CO | $5K | $0 | $5K | 1.00% |
| GREGORY MALONEY3 Filed as: GREGORY MARTIN | POB 607 MILLBROOK, NY 12545 | ANTHEM LIFE AND DISABILITY INS CO | $3K | $0 | $3K | 0.74% |
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 | 521 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 525 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 416 | $646K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 416 | $646K |
| Life insurance | ANTHEM LIFE AND DISABILITY INS CO | 477 | $473K |
| Short-term disability | ANTHEM LIFE AND DISABILITY INS CO | 477 | $473K |
| Long-term disability | ANTHEM LIFE AND DISABILITY INS CO | 477 | $473K |
| Other | ANTHEM LIFE AND DISABILITY INS CO | 477 | $473K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 477 | — |
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.