| 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 | $100K | $100K | 4.87% |
| PROFESSIONAL PENSIONS INC3 Filed as: PROFESSIONAL PENSIONS INC. | 10 RESEARCH PARKWAY, SUITE 200 WALLINGFORD, CT 06492 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $39K | $39K | 1.91% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 95287 CHICAGO, IL 60694 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $11K | $500 | $12K | 7.73% |
| PROFESSIONAL PENSIONS INC3 Filed as: PROFESSIONAL PENSIONS INC. | 10 RESEARCH PARKWAY, SUITE 200 WALLINGFORD, CT 06492 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $0 | $7K | $7K | 4.31% |
| PROFESSIONAL PENSIONS INC3 Filed as: PROFESSIONAL PENSIONS INC. | 10 RESEARCH PARKWAY, SUITE 200 WALLINGFORD, CT 06492 | FIRST UNUM LIFE INSURANCE COMPANY | $11K | $1K | $12K | 18.35% |
| KENNETH C MEIER CORP3 Filed as: KENNETH MEIER CORP AND OTHER AGENTS | 19 MARKWOOD ROAD GARDEN CITY, NY 11530 | AFLAC | $159 | $0 | $159 | 3.24% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | AFLAC | $100 | $0 | $100 | 2.04% |
| CHRISTOPHER TARI3 | 1179 WEBBER AVENUE SOUTH HEMPSTEAD, NY 11550 | AFLAC | $51 | $0 | $51 | 1.04% |
| WILLIAM WHICHER3 Filed as: WILLIAM H. WHICHER | 11 KEENAN PLACE GARDEN CITY, NY 11530 | AFLAC | $46 | $0 | $46 | 0.94% |
| PATRICK RUHLE3 | 200 GARDENT CITY PLAZA, SUITE 410 GARDEN CITY, NY 11530 | AFLAC | $33 | $0 | $33 | 0.67% |
| DOUGLAS MEIER3 Filed as: DOUGLAS R. MEIER | 23 ROCKLEDGE TERRACE POMPTON PLAINS, NJ 07444 | AFLAC | $31 | $0 | $31 | 0.63% |
| BRIAN MILLER3 | 52 COURT STREET FREEHOLD, NJ 07228 | AFLAC | $29 | $0 | $29 | 0.59% |
| GAIL A. CONIGLIONE3 | 103 BRETTWOOD DRIVE EGG HARBOR TOWNSHIP, NJ 08234 | AFLAC | $27 | $0 | $27 | 7.05% |
| CIRO ABRIL3 | 18 BRACKEN COURT HOWELL, NJ 07731 | AFLAC | $15 | $0 | $15 | 3.92% |
| KENNETH C MEIER CORP3 Filed as: KENNETH C. MEIER | 19 MARKWOOD ROAD FOREST HILLS, NY 11375 | AFLAC | $8 | $0 | $8 | 2.09% |
| MICHAEL S CHILLE3 Filed as: MICHAEL S. CHILLE | 12 SAINT THOMAS MORE DRIVE WINCHESTER, MA 01890 | AFLAC | $4 | $0 | $4 | 1.04% |
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 | 162 | 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) | 162 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 206 | $2.1M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 144 | $152K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 144 | $152K |
| Life insurance | FIRST UNUM LIFE INSURANCE COMPANY | 162 | $66K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 162 | $66K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 206 | $2.1M |
| Other(3 contracts, 2 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 162 | $71K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 206 | — |
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.