| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RAMPART BENEFIT PLANNING INC3 | 1983 MARCUS AVENUE SUITE C130 LAKE SUCCESS, NE 11042 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $13K | — | $13K | 5.55% |
| RAMPART BENEFIT PLANNING INC3 Filed as: RAMPART BENEFIT PLANNING | 1983 MARCUS AVENUE SUITE C130 LAKE SUCCESS, NY 11042 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $9K | — | $9K | 9.96% |
| RAMPART BENEFIT PLANNING INC3 Filed as: RAMPART BENEFIT PLANNING | 1983 MARCUS AVENUE SUITE C130 LAKE SUCCESS, NY 11042 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $4K | — | $4K | 10.00% |
| RAMPART BENEFIT PLANNING INC3 Filed as: RAMPART BENEFIT PLANNING | 1983 MARCUS AVENUE SUITE C130 LAKE SUCCESS, NY 11042 | HM LIFE INSURANCE COMPANY OF NEW YORK | $2K | — | $2K | 6.67% |
| JEFFREY BERNARD3 | 1983 MARCUS AVENUE SUITE C130 LAKE SUCCESS, NY 11042 | HM LIFE INSURANCE COMPANY OF NEW YORK | $858 | — | $858 | 3.34% |
| RAMPART BENEFIT PLANNING INC3 Filed as: RAMPART BENEFIT PLANNING | 1983 MARCUS AVENUE SUITE C130 LAKE SUCCESS, NY 11042 | HM LIFE INSURANCE COMPANY OF NEW YORK | $538 | — | $538 | 6.67% |
| JEFFREY BERNARD3 Filed as: JEFFREY BERNARD C/O RAMPART GROUP | 1983 MARCUS AVENUE SUITE C130 LAKE SUCCESS, NY 11042 | HM LIFE INSURANCE COMPANY OF NEW YORK | $269 | — | $269 | 3.33% |
| RAMPART BENEFIT PLANNING INC3 Filed as: RAMPART BENEFIT PLANNING | 1983 MARCUS AVENUE SUITE C130 LAKE SUCCESS, NY 11042 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $339 | — | $339 | 10.00% |
| RAMPART BENEFIT PLANNING INC3 Filed as: RAMPART BENEFIT PLANNING, INC. | 1983 MARCUS AVENUE SUITE C130 NEW HYDE PARK, NY 11042 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | -$74 | $7K | 309.46% |
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 | 448 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 22 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 470 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 386 | $243K |
| Vision(2 contracts) | HM LIFE INSURANCE COMPANY OF NEW YORK | 266 | $34K |
| Life insurance(2 contracts, 2 carriers) | CIGNA LIFE INSURANCE CO. OF NEW YORK | 448 | $43K |
| Long-term disability(2 contracts, 2 carriers) | CIGNA LIFE INSURANCE CO. OF NEW YORK | 423 | $97K |
| Other(2 contracts, 2 carriers) | CIGNA LIFE INSURANCE CO. OF NEW YORK | 448 | $6K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 448 | — |
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.