| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SAUL, MATTHEW, SAUL WEALTH3 | ADVISORS, LLC 155 E 44TH ST 12TH FL NEW YORK, NY 10017 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $5K | — | $5K | 7.31% |
| ACRISURE LLC3 Filed as: ACRISURE PGM INSURANCE SRVCS | 311 CLOCK TOWER COMMONS BREWSTER, NY 10509 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | — | $3K | $3K | 4.96% |
| ACRISURE LLC3 Filed as: ACRISURE PGM INSURANCE SERVICES, | LLC-GA 50 BROADWAY HAWTHORNE, NY 105321245 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | — | $2K | 5.53% |
| ACRISURE LLC3 Filed as: ACRISURE PGM INSURANCE SERVICES, | LLC-GA 311 CLOCK TOWER CMNS BREWSTER, NY 105094059 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | — | $2K | 4.41% |
| PROFESSIONAL GROUP MARKETING INC3 | 311 CLOCK TOWER CMNS BREWSTER, NY 105094059 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $161 | $161 | 0.43% |
| GA SOLUTIONS LLC3 | 65 MECHANIC STREET SUITE 106 RED BANK, NJ 07701 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | $1K | $6K | 19.99% |
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 | 132 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 133 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 86 | $70K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 170 | $37K |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 170 | $37K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 132 | $32K |
| Other | UNITEDHEALTHCARE INSURANCE COMPANY | 170 | $37K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 170 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.