| 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 | 2.99% |
| 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 | 2.99% |
| ASSUREDPARTNERS3 Filed as: BWD AGENCY INC | 45 EXECUTIVE DRIVE PLAINVIEW, NY 11803 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | $3K | $7K | 6.39% |
| DAVID KUSHNER3 | 16831 C ISLE OF PALMS DRIVE DELRAY BEACH, FL 33484 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | $0 | $5K | 3.85% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BOULEVARD STREET 200 HAUPPAUGE, NY 11788 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $0 | $3K | 2.21% |
| 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 | 1.08% |
| ASSUREDPARTNERS3 Filed as: BWD AGENCY INC | 45 EXECUTIVE DRIVE PLAINVIEW, NY 11803 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $2K | $5K | 5.37% |
| DAVID KUSHNER3 | 16831 C ISLE OF PALMS DRIVE DELRAY BEACH, FL 33484 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $0 | $3K | 2.93% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BOULEVARD STREET 200 HAUPPAUGE, NY 11788 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $0 | $2K | 2.29% |
| 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 | 1.04% |
| ASSUREDPARTNERS3 Filed as: BWD AGENCY INC | 45 EXECUTIVE DRIVE PLAINVIEW, NY 11803 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $7K | $2K | $9K | 10.77% |
| DAVID KUSHNER3 | 16831 C ISLE OF PALMS DRIVE DELRAY BEACH, FL 33484 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | $0 | $6K | 6.78% |
| 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 | $943 | $943 | 1.13% |
| ASSUREDPARTNERS3 Filed as: BWD AGENCY INC | 45 EXECUTIVE DRIVE PLAINVIEW, NY 11803 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $447 | $0 | $447 | 1.05% |
| ASSUREDPARTNERS3 Filed as: BWD AGENCY INC | 45 EXECUTIVE DRIVE PLAINVIEW, NY 11803 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $992 | $3K | 7.71% |
| DAVID KUSHNER3 | 16831 C ISLE OF PALMS DRIVE DELRAY BEACH, FL 33484 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $0 | $2K | 4.74% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BOULEVARD STREET 200 HAUPPAUGE, NY 11788 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $910 | $0 | $910 | 2.26% |
| 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 | $441 | $441 | 1.10% |
| DAVID KUSHNER3 | 16831 C ISLE OF PALMS DRIVE DELRAY BEACH, FL 33484 | SHELTERPOINT LIFE INSURANCE CO | $2K | $0 | $2K | 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 | $2K | $0 | $2K | 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 | $260K |
| CIGNA HEALTH AND LIFE INSURANCE CO. EIN 59-1031071 THIRD PARTY ADMINISTRATOR | Other services; Direct payment from the plan; Contract Administrator; Participant communication; Float revenue; Named fiduciary; Non-monetary compensation; Claims processing Service code 12 | 900 COTTAGE GROVE RD. BLOOMFIELD, CT 06002 | $34K |
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 | 357 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 146 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 5 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 517 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 167 | $43K |
| Vision | SHELTERPOINT LIFE INSURANCE CO | 339 | $29K |
| Life insurance(2 contracts) | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 348 | $179K |
| Short-term disability | SHELTERPOINT LIFE INSURANCE CO | 400 | $144K |
| Long-term disability | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 349 | $117K |
| Other(5 contracts, 3 carriers) | SHELTERPOINT LIFE INSURANCE CO | 400 | $406K |
| 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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.