| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | PO BOX 786677 PHILADELPHIA, PA 19178 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $14K | $146K | $160K | 4.17% |
| PROFESSIONAL PENSIONS INC3 Filed as: PROFESSIONAL PENSIONS, INC. | 10 RESEARCH PARKWAY SUITE 200 WALLINGFORD, CT 06492 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $80K | $80K | 2.07% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) | PO BOX 786677 PHILADELPHIA, PA 19178 | KAISER FOUNDATION HEALTH PLAN, INC. | $48K | $0 | $48K | 4.27% |
| JEFFREY S. WEINER3 | 7 ABBEY LANE PLAINVIEW, NY 11803 | KAISER FOUNDATION HEALTH PLAN, INC. | $3K | $0 | $3K | 0.26% |
| DKG INS & FINANCIAL SERV INC.3 Filed as: DKG INSURANCE & FINANCIAL SVCS, INC | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | KAISER FOUNDATION HEALTH PLAN, INC. | $740 | $0 | $740 | 0.07% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | 340 MADISON AVENUE 21ST FLOOR NEW YORK, FL 10173 | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | $17K | $2K | $19K | 18.01% |
| PROFESSIONAL PENSIONS INC3 | 10 RESEARCH PARKWAY SUITE 200 WALLINGFORD, CT 06492 | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | $5K | $0 | $5K | 4.53% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY), LLC | PO BOX 786677 PHILADELPHIA, PA 19178 | 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 | $811 | $811 | 4.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY), LLC | PO BOX 786677 PHILADELPHIA, PA 19178 | CIGNA DENTAL HEALTH OF NEW JERSEY, INC. | $151 | $0 | $151 | 7.01% |
| PROFESSIONAL PENSIONS INC3 Filed as: PROFESSIONAL PENSIONS INC. | 10 RESEARCH PARKWAY SUITE 200 WALLINGFORD, CT 06492 | CIGNA DENTAL HEALTH OF NEW JERSEY, INC. | $0 | $86 | $86 | 3.99% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY), LLC | PO BOX 786677 PHILADELPHIA, PA 19178 | CIGNA DENTAL HEALTH OF NORTH CAROLINA, INC. | $50 | $0 | $50 | 7.05% |
| PROFESSIONAL PENSIONS INC3 Filed as: PROFESSIONAL PENSIONS INC. | 10 RESEARCH PARKWAY SUITE 200 WALLINGFORD, CT 06492 | CIGNA DENTAL HEALTH OF NORTH CAROLINA, INC. | $0 | $28 | $28 | 3.95% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY), LLC | PO BOX 786677 PHILADELPHIA, PA 19178 | CIGNA DENTAL HEALTH OF KENTUCKY, INC. | $46 | $0 | $46 | 7.02% |
| PROFESSIONAL PENSIONS INC3 Filed as: PROFESSIONAL PENSIONS INC. | 10 RESEARCH PARKWAY SUITE 200 WALLINGFORD, CT 06492 | CIGNA DENTAL HEALTH OF KENTUCKY, INC. | $0 | $26 | $26 | 3.97% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY), LLC | PO BOX 786677 PHILADELPHIA, PA 19178 | CIGNA HEALTHCARE OF CONNECTICUT, INC. | $29 | $0 | $29 | 7.09% |
| PROFESSIONAL PENSIONS INC3 Filed as: PROFESSIONAL PENSIONS INC. | 10 RESEARCH PARKWAY SUITE 200 WALLINGFORD, CT 06492 | CIGNA HEALTHCARE OF CONNECTICUT, INC. | $0 | $16 | $16 | 3.91% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY), LLC | PO BOX 786677 PHILADELPHIA, PA 19178 | CIGNA DENTAL HEALTH OF TEXAS, INC. | $23 | $0 | $23 | 7.03% |
| PROFESSIONAL PENSIONS INC3 Filed as: PROFESSIONAL PENSIONS INC. | 10 RESEARCH PARKWAY SUITE 200 WALLINGFORD, CT 06492 | CIGNA DENTAL HEALTH OF TEXAS, INC. | $0 | $13 | $13 | 3.98% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | PO BOX 786677 PHILADELPHIA, PA 19178 | CIGNA DENTAL HEALTH OF PENNSYLVANIA, INC. | $23 | $0 | $23 | 7.03% |
| PROFESSIONAL PENSIONS INC3 Filed as: PROFESSIONAL PENSIONS, INC. | 10 RESEARCH PARKWAY SUITE 200 WALLINGFORD, CT 06492 | CIGNA DENTAL HEALTH OF PENNSYLVANIA, INC. | $0 | $13 | $13 | 3.98% |
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 | 311 | 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) | 311 | 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 | 266 | $5.0M |
| Dental(8 contracts, 8 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 266 | $3.9M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 266 | $3.8M |
| Life insurance | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | 311 | $106K |
| Short-term disability | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | 311 | $106K |
| Long-term disability | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | 311 | $106K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 311 | — |
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.