| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $81K | $81K | 4.37% |
| PROFESSIONAL PENSIONS INC3 Filed as: PROFESSIONAL PENSIONS, INC. | 10 RESEARCH PARKWAY WALLINGFORD, CT 06492 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $35K | $35K | 1.90% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $10K | $783 | $11K | 7.97% |
| PROFESSIONAL PENSIONS INC3 Filed as: PROFESSIONAL PENSIONS, INC. | 10 RESEARCH PARKWAY WALLINGFORD, CT 06492 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $0 | $5K | $5K | 3.76% |
| PROFESSIONAL PENSIONS INC3 Filed as: PROFESSIONAL PENSIONS, INC. | 10 RESEARCH PARKWAY, SUITE 200 WALLINGFORD, CT 06492 | FIRST UNUM LIFE INSURANCE COMPANY | $8K | $1K | $9K | 18.25% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | AFLAC | $209 | $0 | $209 | 3.70% |
| KENNETH C MEIER CORP3 Filed as: KENNETH MEIER CORP AND OTHER AGENTS | 19 MARKWOOD ROAD GARDEN CITY, NY 11530 | AFLAC | $198 | $0 | $198 | 3.51% |
| WILLIAM WHICHER3 Filed as: WILLIAM H. WHICHER | 11 KEENAN PLACE GARDEN CITY, NY 11530 | AFLAC | $180 | $0 | $180 | 3.19% |
| CHRISTOPHER TARI3 | 80 NORTH CENTRE AVENUE APARTMENT PH416 ROCKVILLE CENTRE, NY 11570 | AFLAC | $61 | $0 | $61 | 1.08% |
| PATRICK RUHLE3 | 200 GARDEN CITY PLAZA, SUITE 410 GARDEN CITY, NY 11530 | AFLAC | $60 | $0 | $60 | 1.06% |
| DOUGLAS MEIER3 Filed as: DOUGLAS R. MEIER | 23 ROCKLEDGE TERRACE POMPTON PLAINS, NJ 07444 | AFLAC | $48 | $0 | $48 | 0.85% |
| BRIAN MILLER3 | 52 COURT STREET FREEHOLD, NJ 07728 | AFLAC | $45 | $0 | $45 | 0.80% |
| GAIL A. CONIGILONE3 | 308 VESTRELLA DRIVE KISSIMMEE, FL 34759 | AFLAC | $27 | $0 | $27 | 3.26% |
| IRO ABRIL3 | 18 BRACKEN COURT HOWELL, NJ 07731 | AFLAC | $15 | $0 | $15 | 1.81% |
| MATTHEW W EVANS3 Filed as: MATTHEW W. EVANS AND OTHER AGENTS | 1344 ASHTON ROAD, SUITE 200 HANOVER, MD 21076 | AFLAC | $14 | $0 | $14 | 1.69% |
| DREW SKIBITSKY3 | 1344 ASHTON ROAD, SUITE 200 HANOVER, MD 21076 | AFLAC | $11 | $0 | $11 | 1.33% |
| QSMR INC3 Filed as: QSMR, INC. | 1344 ASHTON ROAD, SUITE 200 HANOVER, MD 21076 | AFLAC | $8 | $0 | $8 | 0.97% |
| KENNETH C MEIER CORP3 Filed as: KENNETH C. MEIER | 19 MARKWOOD RAOD FOREST HILLS, NY 11375 | AFLAC | $8 | $0 | $8 | 0.97% |
| SHANNON PITTS3 | 4115 COLUMBIA ROAD, SUITE 5PMB198 MARTINEZ, GA 30907 | AFLAC | $6 | $0 | $6 | 0.73% |
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 | 121 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 121 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 180 | $1.8M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 122 | $135K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 122 | $135K |
| Life insurance | FIRST UNUM LIFE INSURANCE COMPANY | 132 | $52K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 132 | $52K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 180 | $1.8M |
| Other(3 contracts, 2 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 132 | $58K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 180 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.