| 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 | $15K | $138K | $153K | 4.19% |
| PROFESSIONAL PENSIONS INC3 Filed as: PROFESSIONAL PENSIONS, INC. | 10 RESEARCH PARKWAY SUITE 200 WALLINGFORD, CT 06492 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $76K | $76K | 2.08% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) | 340 MADISON AVENUE 21ST FLOOR NEW YORK, NY 10173 | KAISER FOUNDATION HEALTH PLAN, INC. | $34K | $0 | $34K | 3.77% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY), LLC | 340 MADISON AVE, FLOOR 21 NEW YORK, NY 10173 | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | $5K | $0 | $5K | 9.04% |
| PROFESSIONAL PENSIONS INC3 | 10 RESEARCH PARKWAY WALLINGFORD, CT 06492 | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | $2K | $0 | $2K | 4.28% |
| 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 | $4K | $0 | $4K | 10.99% |
| PROFESSIONAL PENSIONS INC3 | 10 RESEARCH PARKWAY SUITE 200 WALLINGFORD, CT 06492 | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | $2K | $0 | $2K | 4.77% |
| 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 | $765 | $765 | 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. | $170 | $0 | $170 | 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 | $97 | $97 | 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. | $66 | $0 | $66 | 7.01% |
| PROFESSIONAL PENSIONS INC3 Filed as: PROFESSIONAL PENSIONS INC. | 10 RESEARCH PARKWAY SUITE 200 WALLINGFORD, CT 06492 | CIGNA DENTAL HEALTH OF NORTH CAROLINA, INC. | $0 | $38 | $38 | 4.03% |
| 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. | $44 | $0 | $44 | 7.01% |
| PROFESSIONAL PENSIONS INC3 Filed as: PROFESSIONAL PENSIONS INC. | 10 RESEARCH PARKWAY SUITE 200 WALLINGFORD, CT 06492 | CIGNA DENTAL HEALTH OF COLORADO, INC. | $0 | $25 | $25 | 3.98% |
| 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. | $24 | $0 | $24 | 7.00% |
| PROFESSIONAL PENSIONS INC3 Filed as: PROFESSIONAL PENSIONS INC. | 10 RESEARCH PARKWAY SUITE 200 WALLINGFORD, CT 06492 | CIGNA HEALTHCARE OF CONNECTICUT, INC. | $0 | $14 | $14 | 4.08% |
| 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. | $24 | $0 | $24 | 7.00% |
| PROFESSIONAL PENSIONS INC3 Filed as: PROFESSIONAL PENSIONS, INC. | 10 RESEARCH PARKWAY SUITE 200 WALLINGFORD, CT 06492 | CIGNA DENTAL HEALTH OF PENNSYLVANIA, INC. | $0 | $14 | $14 | 4.08% |
| 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. | $20 | $0 | $20 | 7.02% |
| 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 | 3.86% |
| 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. | $18 | $0 | $18 | 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 | $10 | $10 | 3.89% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY), LLC | 340 MADISON AVE, 21ST FLOOR NEW YORK, NY 10173 | CIGNA DENTAL HEALTH OF VIRGINIA INC | $2 | $0 | $2 | 6.90% |
| PROFESSIONAL PENSIONS INC3 | 10 RESEARCH PARKWAY, SUITE 200 WALLINGFORD, CT 06492 | CIGNA DENTAL HEALTH OF VIRGINIA INC | $0 | $1 | $1 | 3.45% |
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 | 419 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 427 | 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 | 254 | $4.6M |
| Dental(10 contracts, 10 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 254 | $3.7M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 254 | $3.7M |
| Life insurance(2 contracts) | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | 275 | $88K |
| Short-term disability(2 contracts) | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | 275 | $88K |
| Long-term disability(2 contracts) | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | 275 | $88K |
| 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."
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.