| 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 | $17K | — | $17K | 4.57% |
| 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 | $14K | — | $14K | 10.00% |
| 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 | $6K | — | $6K | 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 | $1K | — | $1K | 6.67% |
| JEFFREY BERNARD3 | 1983 MARCUS AVENUE SUITE C130 LAKE SUCCESS, NY 11042 | HM LIFE INSURANCE COMPANY OF NEW YORK | $572 | — | $572 | 2.83% |
| 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 | $457 | — | $457 | 9.99% |
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 | 484 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 488 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 424 | $378K |
| Vision | HM LIFE INSURANCE COMPANY OF NEW YORK | 286 | $20K |
| Life insurance | CIGNA LIFE INSURANCE CO. OF NEW YORK | 484 | $63K |
| Long-term disability | CIGNA LIFE INSURANCE CO. OF NEW YORK | 454 | $142K |
| Other | CIGNA LIFE INSURANCE CO. OF NEW YORK | 484 | $5K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 484 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.