| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RAMPART BENEFIT PLANNING INC3 Filed as: RAMPART BENEFIT PLANNING | 1983 MARCUS AVE SUITE C130 LAKE SUCCESS, NY 11042 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $18K | $2K | $20K | 4.63% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO INC | 1787 SENTRY PKWY W VEVA 16 STE 320 BLUE BELL, PA 19422 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $0 | $17K | $17K | 3.95% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NY LLC | 653 FOREST AVE STATEN ISLAND, NY 10310 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $3K | $0 | $3K | 0.78% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NY LLC | 653 FOREST AVE STATEN ISLAND, NY 10310 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $15K | $0 | $15K | 7.90% |
| EMERSON REID LLC3 | 1787 SENTRY PKWY VEVA BLDG 16 BLUE BELL, PA 19422 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $7K | $7K | 3.71% |
| RAMPART BENEFIT PLANNING INC3 Filed as: RAMPART BENEFIT PLANNING | 1983 MARCUS AVE SUITE C130 LAKE SUCCESS, NY 11042 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $2K | $0 | $2K | 1.18% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NY LLC | 653 FOREST AVE STATEN ISLAND, NY 10310 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $6K | $0 | $6K | 8.05% |
| EMERSON REID LLC3 | 1787 SENTRY WAY PKWY W VEVA BLDG16 SUITE 320 BLUE BELL, PA 19422 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $2K | $2K | 3.35% |
| RAMPART BENEFIT PLANNING INC3 Filed as: RAMPART BENEFIT PLANNING | 1983 MARCUS AVE SUITE C130 LAKE SUCCESS, NY 11042 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $574 | $0 | $574 | 0.78% |
| RAMPART BENEFIT PLANNING INC3 Filed as: RAMPART BENEFIT PLANNING | 1983 MARCUS AVE SUITE C130 LAKE SUCCESS, NY 11042 | HM LIFE INSURANCE COMPANY OF NEW YORK | $2K | $0 | $2K | 4.59% |
| JEFFREY BERNARD3 | 1983 MARCUS AVE SUITE C130 LAKE SUCCESS, NY 11042 | HM LIFE INSURANCE COMPANY OF NEW YORK | $1K | $0 | $1K | 3.24% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NY LLC | 1983 MARCUS AVE SUITE C130 LAKE SUCCESS, NY 11042 | HM LIFE INSURANCE COMPANY OF NEW YORK | $662 | $0 | $662 | 1.89% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NY LLC | 653 FOREST AVE STATEN ISLAND, NY 10310 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $453 | $0 | $453 | 8.05% |
| EMERSON REID LLC3 | 1787 SENTRY PWKY W VEVA 16 STE 320 BLUE BELL, PA 19422 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $191 | $191 | 3.39% |
| RAMPART BENEFIT PLANNING INC3 Filed as: RAMPART BENEFIT PLANNING | 1983 MARCUS AVE SUITE C130 LAKE SUCCESS, NY 11042 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $44 | $0 | $44 | 0.78% |
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 | 430 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 433 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 386 | $439K |
| Vision | HM LIFE INSURANCE COMPANY OF NEW YORK | 415 | $35K |
| Life insurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 430 | $73K |
| Long-term disability | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 414 | $190K |
| Other | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 430 | $6K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 430 | — |
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.