| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NY | 653 FOREST AVE STATEN ISLAND, NY 10310 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $20K | $0 | $20K | 4.97% |
| EMERSON REID LLC3 | 1787 SENTRY PARKWAY W VEVA BLDG STE 320 BLUE BELL, PA 19422 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $16K | $16K | 3.97% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NY | 653 FOREST AVE STATEN ISLAND, NY 10310 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $17K | $0 | $17K | 10.16% |
| EMERSON REID LLC3 | 1787 SENTRY PARKWAY W VEVA BLDG STE 320 BLUE BELL, PA 19422 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $0 | $13K | $13K | 7.49% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW YORK | 653 FOREST AVE STATEN ISLAND, NY 10310 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $8K | $0 | $8K | 10.27% |
| EMERSON REID LLC3 | 1787 SENTRY PARKWAY W VEVA BLDG STE 320 BLUE BELL, PA 19422 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $0 | $5K | $5K | 6.94% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NY | 1983 MARCUS AVE SUITE C130 LAKE SUCCESS, NY 11042 | HM LIFE INSURANCE COMPANY OF NY | $2K | — | $2K | 6.66% |
| JEFFREY BERNARD3 Filed as: JEFFREY BERNARD C/O RAMPART GROUP | 1983 MARCUS AVE SUITE C130 LAKE SUCCESS, NY 11042 | HM LIFE INSURANCE COMPANY OF NY | $1K | — | $1K | 3.34% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NY | 653 FOREST AVE STATEN ISLAND, NY 10310 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $595 | $0 | $595 | 10.41% |
| EMERSON REID LLC3 | 1787 SENTRY PARKWAY W VEVA BLDG STE 320 BLUE BELL, PA 19422 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $0 | $401 | $401 | 7.02% |
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 | 399 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 399 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 346 | $403K |
| Vision | HM LIFE INSURANCE COMPANY OF NY | 376 | $32K |
| Life insurance | CIGNA LIFE INSURANCE CO. OF NEW YORK | 399 | $76K |
| Long-term disability | CIGNA LIFE INSURANCE CO. OF NEW YORK | 384 | $171K |
| Other | CIGNA LIFE INSURANCE CO. OF NEW YORK | 399 | $6K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 399 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.