| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $60K | $60K | 2.20% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 25 PEHLE AVENUE, SUITE 400 SADDLEBROOK, NJ 07663 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $59K | $59K | 2.16% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62939 VIRGINIA BEACH, VA 23466 | FIRST UNUM LIFE INSURANCE COMPANY | $12K | $1K | $13K | 4.16% |
| CORPORATE COMPENSATION PLANS OF CT3 Filed as: CORPORATE COMP. PLANS OF CT., INC. | 93 PINE HILL ROAD NEW FAIRFIELD, CT 06812 | FIRST UNUM LIFE INSURANCE COMPANY | $5K | $0 | $5K | 1.57% |
| PHILLIP T. DAVIS3 | 73 PINE HILL ROAD NEW FARIFIELD, CT 06810 | FIRST UNUM LIFE INSURANCE COMPANY | $2K | $0 | $2K | 0.62% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | AETNA LIFE INSURANCE COMPANY | $16K | $2K | $17K | 7.72% |
| CORPORATE COMPENSATION PLANS OF CT3 Filed as: CORPORATE COMP. PLANS OF CT., INC. | 93 PINE HILL ROAD NEW FAIRFIELD, CT 06812 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $5K | $0 | $5K | 4.14% |
| USI INSURANCE SERVICES LLC3 | 1750 H STREET NW, SUITE 200 WASHINGTON, DC 20006 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $3K | $749 | $4K | 3.46% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62939 VIRGINIA BEACH, VA 23466 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $162 | $0 | $162 | 0.13% |
| YANIRA TEITELBAUM3 | 3903 WEST SAN CARLOS STREET TAMPA, FL 33629 | AFLAC | $4K | $0 | $4K | 5.93% |
| MICHAEL S TEITELBAUM3 Filed as: MICHAEL S. TEITELBAUM | 76 WATERMAN AVENUE RUMSON, NJ 07760 | AFLAC | $2K | $210 | $3K | 3.80% |
| YANIRA TEITELBAUM3 | 76 WATERMAN AVENUE RUMSON, NJ 07760 | AFLAC | $942 | $0 | $942 | 1.38% |
| KRISTEN PARZIANO3 | 15 10TH STREET STATEN ISLAND, NY 10306 | AFLAC | $679 | $29 | $708 | 1.04% |
| JACQUELINE GELINAS BEAULIEU3 Filed as: JACQUELINE S. CASTRO & OTHER AGENTS | 100 WALL STREET, 28TH FLOOR NEW YORK, NY 10005 | AFLAC | $438 | $189 | $627 | 0.92% |
| ANTHONY S ALMODOVAR3 Filed as: ANTHONY R. ORGERA, INC | 14 WALL STREET, SUITE 8C NEW YORK, NY 10005 | AFLAC | $623 | $0 | $623 | 0.91% |
| KENNETH C MEIER CORP3 Filed as: KENNETH C. MEIER CORP | 401 FRANKLIN AVENUE, SUITE 312 GARDEN CITY, NY 11530 | AFLAC | $467 | $0 | $467 | 0.68% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | EYEMED | $569 | $0 | $569 | 5.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 250 PARK AVENUE, 3RD FLOOR NEW YORK, NY 10177 | EYEMED | $391 | $0 | $391 | 3.44% |
| USI INSURANCE SERVICES LLC3 | 180 PARK AVENUE, 1ST FLOOR FLORHAM PARK, NJ 07932 | FEDERAL INSURANCE COMPANY | $1K | $0 | $1K | 15.00% |
| JACQUELINE GELINAS BEAULIEU3 Filed as: JACQUELINE S. CASTRO & OTHER AGENTS | 100 WALL STREET, 28TH FLOOR NEW YORK, NY 10005 | AFLAC | $72 | $0 | $72 | 2.29% |
| YANIRA TEITELBAUM3 | 76 WATERMAN AVENUE RUMSON, NJ 07760 | AFLAC | $70 | $0 | $70 | 2.23% |
| MICHAEL S TEITELBAUM3 Filed as: MICHAEL S. TEITELBAUM | 76 WATERMAN AVENUE RUMSON, NJ 07760 | AFLAC | $49 | $0 | $49 | 1.56% |
| ANTHONY S ALMODOVAR3 Filed as: ANTHONY R. ORGERA | 14 WALL STREET, SUITE 8C NEW YORK, NY 10005 | AFLAC | $46 | $0 | $46 | 1.46% |
| KIM HAMMOND3 | 1 BANK STREET, SUITE 5L NEW YORK, NY 10014 | AFLAC | $42 | $0 | $42 | 1.34% |
| KENNETH C MEIER CORP3 Filed as: KENNETH C. MEIER | 11835 QUEENS BOULEVARD, SUITE 1403 FOREST HILLS, NY 11375 | AFLAC | $34 | $0 | $34 | 1.08% |
| CHARLES J MULE3 Filed as: CHARLES J. MULE | 147 UNION STREET BROOKLYN, NY 11231 | AFLAC | $29 | $0 | $29 | 0.92% |
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 | 198 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 203 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 248 | $2.7M |
| Dental | AETNA LIFE INSURANCE COMPANY | 278 | $226K |
| Vision | EYEMED | 133 | $11K |
| Life insurance | AETNA LIFE INSURANCE COMPANY | 278 | $226K |
| Short-term disability | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | 49 | $120K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 147 | $307K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 248 | $2.7M |
| Other(5 contracts, 4 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 278 | $613K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 278 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.