| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CORPORATE CONSULTING SERVICES3 | 605 THIRD AVE 24TH FLOOR NEW YORK, NY 10158 | CIGNA HEALTH & LIFE INSURANCE COMPANY & AFFILIATES | $124K | — | $124K | 14.29% |
| LOUIS A DECHIARA3 | 875 3RD AVENUE 23RD FLOOR NEW YORK, NY 10022 | FIRST UNUM LIFE INSURANCE COMPANY | $40K | — | $40K | 7.40% |
| DAVID J HACHEY3 | 245 PARK AVENUE 18TH FLOOR NEW YORK, NY 10167 | FIRST UNUM LIFE INSURANCE COMPANY | $35K | — | $35K | 6.53% |
| PHILIP T DAVIS3 | PO BOX 8865 NEW FAIRFIELD, CT 06812 | FIRST UNUM LIFE INSURANCE COMPANY | $35K | — | $35K | 6.53% |
| CHRISTINA E LAWRENCE3 | 577 BROADWAY 3B NEW YORK, NY 10012 | FIRST UNUM LIFE INSURANCE COMPANY | $7K | — | $7K | 1.31% |
| CORPORATE CONSULTING SERVICES3 | 605 THIRD AVE 24TH FLOOR NEW YORK, NY 10158 | FIRST UNUM LIFE INSURANCE COMPANY | $8K | — | $8K | 4.85% |
| CORPORATE CONSULTING SERVICES3 | 605 THIRD AVE 24TH FLOOR NEW YORK, NY 10158 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $2K | — | $2K | 8.47% |
| CORPORATE CONSULTING SERVICES3 | 605 THIRD AVE 24TH FLOOR NEW YORK, NY 10158 | FIRST UNUM LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| CORPORATE CONSULTING SERVICES3 | 605 THIRD AVE 24TH FLOOR NEW YORK, NY 10158 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $959 | — | $959 | 15.00% |
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 | 375 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH & LIFE INSURANCE COMPANY & AFFILIATES | 570 | $866K |
| Dental | CIGNA HEALTH & LIFE INSURANCE COMPANY & AFFILIATES | 570 | $866K |
| Vision | CIGNA HEALTH & LIFE INSURANCE COMPANY & AFFILIATES | 570 | $866K |
| Life insurance | CIGNA LIFE INSURANCE CO. OF NEW YORK | 0 | $29K |
| Short-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 375 | $10K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 369 | $161K |
| Prescription drug | CIGNA HEALTH & LIFE INSURANCE COMPANY & AFFILIATES | 570 | $866K |
| Other(3 contracts, 3 carriers) | CIGNA HEALTH & LIFE INSURANCE COMPANY & AFFILIATES | 570 | $1.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 570 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.