| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: BWD AGENCY INC | 45 EXECUTIVE DRIVE PLAINVIEW, NY 11803 | UNITED HEALTHCARE INSURANCE COMPANY | $49K | $0 | $49K | 3.68% |
| PROFESSIONAL PENSIONS INC3 | 10 RESEARCH PKWY WALLINGFORD, CT 06492 | UNITED HEALTHCARE INSURANCE COMPANY | $12K | $0 | $12K | 0.93% |
| ASSUREDPARTNERS3 Filed as: BWD AGENCY INC | 45 EXECUTIVE DRIVE PLAINVIEW, NY 11803 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $2K | $1 | $2K | 4.08% |
| PROFESSIONAL PENSION INC.3 Filed as: PROFESSIONAL PENSION INC | 10 RESEARCH PARKWAY WALLINGFORD, CT 06492 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $2K | $2K | 3.97% |
| 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 | $0 | $250 | $250 | 0.51% |
| ASSUREDPARTNERS3 Filed as: BWD AGENCY INC | 45 EXECUTIVE DRIVE PLAINVIEW, NY 11803 | MUTUAL OF OMAHA INSURANCE CO | $2K | $809 | $3K | 13.39% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY SUITE 600 WEST LAKE HILLS, TX 78746 | MUTUAL OF OMAHA INSURANCE CO | $0 | $337 | $337 | 1.41% |
| ASSUREDPARTNERS3 Filed as: BWD AGENCY INC | 45 EXECUTIVE DRIVE PLAINVIEW, NY 11803 | COMPANION LIFE INSURANCE CO | $2K | $755 | $3K | 13.43% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY SUITE 600 WEST LAKE HILLS, TX 78746 | COMPANION LIFE INSURANCE CO | $0 | $314 | $314 | 1.43% |
| ERIC S BLUMENCRANZ3 | 31 KETTLEPONT ROAD JERICHO, NY 11753 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $866 | $0 | $866 | 7.42% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVENUE 21ST FLOOR NEW YORK, NY 10173 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $0 | $447 | $447 | 3.83% |
| FOREST HILLS FINANCIAL GROUP3 | 11835 QUEENS BLVD SUITE 1230 FOREST HILLS, NY 11375 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $86 | $0 | $86 | 0.74% |
| ASSUREDPARTNERS3 Filed as: BWD AGENCY INC | PO BOX 9050 JERICHO, NY 11753 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $653 | $0 | $653 | 10.18% |
| PROFESSIONAL PENSIONS INC3 | 10 RESEARCH PARKWAY SUITE 200 WALLINGFORD, CT 06492 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $0 | $377 | $377 | 5.88% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVENUE 21ST FLOOR NEW YORK, NY 10173 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $0 | $272 | $272 | 4.24% |
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 | 101 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 106 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 155 | $1.3M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 68 | $49K |
| Vision | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 86 | $6K |
| Life insurance(2 contracts, 2 carriers) | MUTUAL OF OMAHA INSURANCE CO | 101 | $46K |
| Short-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 47 | $12K |
| Long-term disability | MUTUAL OF OMAHA INSURANCE CO | 101 | $24K |
| Other | MUTUAL OF OMAHA INSURANCE CO | 101 | $24K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 155 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.