| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUPOF NEW YORK LLC | 486 WILLIS AVE. WILLISTON PARK, NY 11596 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $8K | $106K | $114K | 4.62% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC. | 1787 SENTRY PKWY W, VEVA 16 STE 320 SUITE 305 BLUE BELL, PA 19422 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $0 | $52K | $52K | 2.11% |
| HIRAM COHEN AND SON, INC.3 Filed as: HIRAM COHEN & SON INC. | 486 WILLIS AVENUE WILLISTON PARK, NY 11596 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | — | $0 | $0 | 0.00% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW YORK | 486 WILLIS AVENUE WILLISTON PARK, NY 11596 | FEDERAL INSURANCE COMPANY | $746 | $0 | $746 | 15.22% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUPOF NEW YORK LLC | 486 WILLIS AVE. WILLISTON PARK, NY 11596 | CIGNA DENTAL HEALTH OF NEW JERSEY, INC. | $412 | $0 | $412 | 10.01% |
| EMERSON REID LLC3 Filed as: EMERSON REID & COMPANY, INC | 1787 SENTRY PKWY W, VEVA 16 STE 320 BLUE BELL, PA 19422 | CIGNA DENTAL HEALTH OF NEW JERSEY, INC. | $0 | $206 | $206 | 5.00% |
| HIRAM COHEN AND SON, INC.3 Filed as: HIRAM COHEN & SON | 486 WILLIS AVE. WILLISTON PARK, NY 11596 | CIGNA DENTAL HEALTH OF NEW JERSEY, INC. | — | $0 | $0 | 0.00% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUPOF NEW YORK LLC | 486 WILLIS AVE. WILLISTON PARK, NY 11596 | CIGNA HEALTHCARE OF CONNECTICUT, INC. | $266 | $0 | $266 | 9.99% |
| EMERSON REID LLC3 Filed as: EMERSON REID & COMPANY, INC | 1787 SENTRY PKWY W, VEVA 16 STE 320 BLUE BELL, PA 19422 | CIGNA HEALTHCARE OF CONNECTICUT, INC. | $0 | $133 | $133 | 4.99% |
| HIRAM COHEN AND SON, INC.3 Filed as: HIRAM COHEN & SON | 486 WILLIS AVE. WILLISTON PARK, NY 11596 | CIGNA HEALTHCARE OF CONNECTICUT, INC. | — | $0 | $0 | 0.00% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW YORK LLC | 486 WILLIS AVE. WILLISTON PARK, NY 11596 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $9K | $0 | $9K | — |
| EMERSON REID LLC3 | 669 RIVER DRICE CENTER II SUITE 305 ELMWOOD PARK, NJ 07407 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $0 | $9K | $9K | — |
| COHEN HIRAM AND SON, INC.3 | 486 WILLIS AVENUE WILLISTON PARK, NY 11596 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | — | $0 | $0 | — |
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 | 139 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 143 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 103 | $2.5M |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 103 | $2.5M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 103 | $2.5M |
| Life insurance | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | 139 | $0 |
| Short-term disability | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | 139 | $0 |
| Long-term disability | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | 139 | $0 |
| Other(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 139 | $2.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 139 | — |
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.