| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | 340 MADISON AVENUE 21ST FLOOR NEW YORK, NY 10173 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $12K | $110K | $122K | 4.20% |
| PROFESSIONAL PENSIONS INC3 Filed as: PROFESSIONAL PENSIONS, INC. | 10 RESEARCH PARKWAY SUITE 200 WALLINGFORD, CT 06492 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $61K | $61K | 2.09% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) | 340 MADISON AVENUE 21ST FLOOR NEW YORK, NY 10173 | KAISER FOUNDATION HEALTH PLAN, INC. | $24K | $0 | $24K | 5.34% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | 340 MADISON AVENUE 21ST FLOOR NEW YORK, FL 10173 | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | $7K | $0 | $7K | 9.29% |
| PROFESSIONAL PENSIONS INC3 | 10 RESEARCH PARKWAY SUITE 200 WALLINGFORD, CT 06492 | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | $3K | $0 | $3K | 4.14% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY), LLC | 340 MADISON AVENUE 21ST FLOOR NEW YORK, NY 10173 | CIGNA DENTAL HEALTH OF CALIFORNIA, INC. | $1K | $0 | $1K | 7.00% |
| PROFESSIONAL PENSIONS INC3 Filed as: PROFESSIONAL PENSIONS INC. | 10 RESEARCH PARKWAY SUITE 200 WALLINGFORD, CT 06492 | CIGNA DENTAL HEALTH OF CALIFORNIA, INC. | $0 | $741 | $741 | 4.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY), LLC | 340 MADISON AVENUE 21ST FLOOR NEW YORK, NY 10173 | CIGNA DENTAL HEALTH OF NEW JERSEY, INC. | $146 | $0 | $146 | 7.00% |
| PROFESSIONAL PENSIONS INC3 Filed as: PROFESSIONAL PENSIONS INC. | 10 RESEARCH PARKWAY SUITE 200 WALLINGFORD, CT 06492 | CIGNA DENTAL HEALTH OF NEW JERSEY, INC. | $0 | $83 | $83 | 3.98% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY), LLC | 340 MADISON AVENUE 21ST FLOOR NEW YORK, FL 10173 | CIGNA DENTAL HEALTH OF TEXAS, INC. | $35 | $0 | $35 | 7.00% |
| PROFESSIONAL PENSIONS INC3 Filed as: PROFESSIONAL PENSIONS INC. | 10 RESEARCH PARKWAY SUITE 200 WALLINGFORD, CT 06492 | CIGNA DENTAL HEALTH OF TEXAS, INC. | $0 | $20 | $20 | 4.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY), LLC | 340 MADISON AVENUE 21ST FLOOR NEW YORK, FL 10173 | CIGNA DENTAL HEALTH OF NORTH CAROLINA, INC. | $31 | $0 | $31 | 6.97% |
| PROFESSIONAL PENSIONS INC3 Filed as: PROFESSIONAL PENSIONS INC. | 10 RESEARCH PARKWAY SUITE 200 WALLINGFORD, CT 06492 | CIGNA DENTAL HEALTH OF NORTH CAROLINA, INC. | $0 | $18 | $18 | 4.04% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY), LLC | 340 MADISON AVENUE 21ST FLOOR NEW YORK, NY 10173 | CIGNA DENTAL HEALTH OF COLORADO, INC. | $23 | $0 | $23 | 6.89% |
| PROFESSIONAL PENSIONS INC3 Filed as: PROFESSIONAL PENSIONS INC. | 10 RESEARCH PARKWAY SUITE 200 WALLINGFORD, CT 06492 | CIGNA DENTAL HEALTH OF COLORADO, INC. | $0 | $13 | $13 | 3.89% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY), LLC | 340 MADISON AVENUE 21ST FLOOR NEW YORK, FL 10173 | CIGNA HEALTHCARE OF CONNECTICUT, INC. | $23 | $0 | $23 | 6.89% |
| PROFESSIONAL PENSIONS INC3 Filed as: PROFESSIONAL PENSIONS INC. | 10 RESEARCH PARKWAY SUITE 200 WALLINGFORD, CT 06492 | CIGNA HEALTHCARE OF CONNECTICUT, INC. | $0 | $13 | $13 | 3.89% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | 340 MADISON AVENUE 21ST FLOOR NEW YORK, NY 10173 | CIGNA DENTAL HEALTH OF FLORIDA, INC. | $19 | $0 | $19 | 6.83% |
| PROFESSIONAL PENSIONS INC3 Filed as: PROFESSIONAL PENSIONS, INC. | 10 RESEARCH PARKWAY SUITE 200 WALLINGFORD, CT 06492 | CIGNA DENTAL HEALTH OF FLORIDA, INC. | $0 | $11 | $11 | 3.96% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | 340 MADISON AVENUE 21ST FLOOR NEW YORK, NY 10173 | CIGNA DENTAL HEALTH OF PENNSYLVANIA, INC. | $6 | $0 | $6 | 7.23% |
| PROFESSIONAL PENSIONS INC3 Filed as: PROFESSIONAL PENSIONS, INC. | 10 RESEARCH PARKWAY SUITE 200 WALLINGFORD, CT 06492 | CIGNA DENTAL HEALTH OF PENNSYLVANIA, INC. | $0 | $3 | $3 | 3.61% |
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 | 313 | 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) | 313 | 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 | 230 | $3.4M |
| Dental(9 contracts, 9 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 230 | $2.9M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 230 | $2.9M |
| Life insurance | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | 235 | $74K |
| Short-term disability | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | 235 | $74K |
| Long-term disability | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | 235 | $74K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 235 | — |
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.