| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MANCHESTER BENEFITS GROUP INC3 Filed as: MANCHESTER BENEFITS GRP INC | 40 DAHEIM ROAD MILLBROOK, NY 12545 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $25K | — | $25K | 7.25% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC. | 225 WIRELESS BLVD SUITE 200 HAUPPAUGE, NY 11788 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $17K | $17K | 4.98% |
| MANCHESTER BENEFITS GROUP INC3 | 40 DAHEIM ROAD MILLBROOK, NY 12545 | ANTHEM LIFE & DISABILITY INSURANCE COMPANY | $15K | — | $15K | 6.12% |
| REUBEN WARNER ASSOCIATES, INC.3 | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | FEDERAL INSURANCE COMPANY | — | $799 | $799 | 19.99% |
| VETARE INSURANCE & CONSULTING SERVI3 | 2345 ROUTE 52 SUITE 2L NEW WINDSOR, NY 12553 | FEDERAL INSURANCE COMPANY | $599 | — | $599 | 14.99% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MANCHESTER BENEFITS GRP INC BROKER | Insurance brokerage commissions and fees; Other commissions Service code 53 | 40 DAHEIM ROAD MILLBROOK, NY 12545 | $177K |
| CIGNA HEALTH AND LIFE INSURANCE COM EIN 59-1031071 ADMINISTRATOR | Participant communication; Named fiduciary; Other services; Claims processing; Non-monetary compensation; Contract Administrator; Direct payment from the plan; Float revenue Service code 12 | — | $104K |
| PROFESSIONAL GROUP PLANS, INC GENERAL AGENT | Insurance brokerage commissions and fees Service code 53 | 225 WIRELESS BLVD SUITE 200 HAUPPAUGE, NY 11788 | $84K |
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 | 275 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 275 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 228 | $351K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 228 | $351K |
| Life insurance | ANTHEM LIFE & DISABILITY INSURANCE COMPANY | 275 | $241K |
| Short-term disability | ANTHEM LIFE & DISABILITY INSURANCE COMPANY | 275 | $241K |
| Long-term disability | ANTHEM LIFE & DISABILITY INSURANCE COMPANY | 275 | $241K |
| Other | FEDERAL INSURANCE COMPANY | 0 | $4K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 275 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.