| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MANCHESTER BENEFITS GROUP INC3 Filed as: MANCHESTER BENEFITS GRP INC | POB 607 MILLBROOK, NY 12545 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $31K | — | $31K | 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 | — | $21K | $21K | 4.97% |
| MANCHESTER BENEFITS GROUP INC3 | POB 607 MILLBROOK, NY 12545 | ANTHEM LIFE & DISABILITY INSURANCE COMPANY | $16K | — | $16K | 5.49% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MANCHESTER BENEFITS GRP INC BROKER | Insurance brokerage commissions and fees; Other commissions Service code 53 | POB 607 MILLBROOK, NY 12545 | $221K |
| CIGNA HEALTH AND LIFE INSURANCE COM EIN 59-1031071 ADMINISTRATOR | Float revenue; Claims processing; Participant communication; Other services; Direct payment from the plan; Named fiduciary; Non-monetary compensation; Contract Administrator Service code 12 | — | $188K |
| PROFESSIONAL GROUP PLANS, INC GENERAL AGENT | Insurance brokerage commissions and fees Service code 53 | 225 WIRELESS BLVD SUITE 200 HAUPPAUGE, NY 11788 | $118K |
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 | 328 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 29 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 357 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 308 | $425K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 308 | $425K |
| Life insurance | ANTHEM LIFE & DISABILITY INSURANCE COMPANY | 328 | $289K |
| Short-term disability | ANTHEM LIFE & DISABILITY INSURANCE COMPANY | 328 | $289K |
| Long-term disability | ANTHEM LIFE & DISABILITY INSURANCE COMPANY | 328 | $289K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 328 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.