| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DAVID KUSHNER3 | 16831 C ISLE OF PALMS DRIVE DELRAY BEACH, FL 33484 | SHELTERPOINT LIFE INSURANCE CO | $4K | $0 | $4K | 3.18% |
| GCG FINANCIAL LLC3 Filed as: DBL GENERAL ANCEY AN ALERA GROUP LL | 155 PINELAWN ROAD SUITE 120S MELVILLE, NY 11747 | SHELTERPOINT LIFE INSURANCE CO | $4K | $0 | $4K | 3.18% |
| ASSUREDPARTNERS3 Filed as: BWD AGENCY INC | 45 EXECUTIVE DRIVE PLAINVIEW, NY 11803 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | $3K | $8K | 6.83% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES INC. | 1250 CAPITAL OF TX HWY S BLDG II ST AUSTIN, TX 78746 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $1K | $1K | 1.12% |
| ASSUREDPARTNERS3 Filed as: BWD AGENCY INC | 45 EXECUTIVE DRIVE PLAINVIEW, NY 11803 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $3K | $7K | 5.69% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES INC. | 1250 CAPITAL OF TX HWY S BLDG II ST AUSTIN, TX 78746 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $1K | $1K | 1.13% |
| ASSUREDPARTNERS4 Filed as: BWD AGENCY INC | 45 EXECUTIVE DRIVE PLAINVIEW, NY 11803 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $13K | $2K | $15K | 17.53% |
| NFP INSURANCE SERVICES INC2 Filed as: NFP INSURANCE SERVICES INC. | 1250 CAPITAL OF TX HWY S BLDG II ST AUSTIN, TX 78746 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $992 | $992 | 1.12% |
| ASSUREDPARTNERS3 Filed as: BWD AGENCY INC | 45 EXECUTIVE DRIVE PLAINVIEW, NY 11803 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $1K | $0 | $1K | 2.80% |
| ASSUREDPARTNERS3 Filed as: BWD AGENCY INC | 45 EXECUTIVE DRIVE PLAINVIEW, NY 11803 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $1K | $5K | 10.63% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES INC. | 1250 CAPITAL OF TX HWY S BLDG II ST AUSTIN, TX 78746 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $569 | $569 | 1.29% |
| DAVID KUSHNER3 | 16831 C ISLE OF PALMS DRIVE DELRAY BEACH, FL 33484 | SHELTERPOINT LIFE INSURANCE CO | $3K | $0 | $3K | 8.50% |
| GCG FINANCIAL LLC3 Filed as: DBL GENERAL ANCEY AN ALERA GROUP LL | 155 PINELAWN ROAD SUITE 120S MELVILLE, NY 11747 | SHELTERPOINT LIFE INSURANCE CO | $3K | $0 | $3K | 8.50% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 THIRD PARTY ADMINISTRATOR | Contract Administrator Service code 13 | 151 FARMINGTON AVENUE HARTFORD, CT 06156 | $308K |
| CIGNA HEALTH AND LIFE INSURANCE CO. EIN 59-1031071 THIRD PARTY ADMINISTRATOR | Direct payment from the plan; Claims processing; Non-monetary compensation; Other services; Named fiduciary; Contract Administrator; Float revenue; Participant communication Service code 12 | 900 COTTAGE GROVE RD. BLOOMFIELD, CT 06002 | $30K |
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 | 383 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 121 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 5 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 521 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 215 | $51K |
| Vision | SHELTERPOINT LIFE INSURANCE CO | 341 | $35K |
| Life insurance(2 contracts) | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 320 | $204K |
| Short-term disability | SHELTERPOINT LIFE INSURANCE CO | 400 | $135K |
| Long-term disability | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 320 | $121K |
| Other(5 contracts, 3 carriers) | SHELTERPOINT LIFE INSURANCE CO | 400 | $433K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 400 | — |
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.