| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 4000 MIDATLANTIC DRIVE, SUITE 300 MOUNT LAUREL, NJ 08054 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $125K | $3K | $128K | 3.92% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 501 FELLOWSHIP ROAD, SUITE 201 MOUNT LAUREL, NJ 08054 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $10K | $4K | $14K | 15.62% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 14TH FLOOR ITASCA, IL 60143 | AFLAC | $2K | — | $2K | 8.62% |
| ALLAN H. MARKOWITZ3 | 17 LINDSEY PLACE HOLBROOK, NY 11741 | AFLAC | $1K | — | $1K | 5.27% |
| MICHAEL PASQUALY DESTEFANO3 Filed as: MICHAEL DESTEFANO AND OTHER AGENTS | 4250 VETERANS MEMORIAL HIGHWAY SUITE 1015W HOLBROOK, NY 11741 | AFLAC | $878 | — | $878 | 4.55% |
| VINCENT MORELLI3 | 746 5TH STREET LYNDHURST, NJ 07071 | AFLAC | $797 | $7 | $804 | 4.16% |
| SVETLANA ZEITLIN3 | 105 ADDIS DRIVE CHURCHVILLE, PA 18966 | AFLAC | $530 | $2 | $532 | 2.76% |
| MICHAEL DZIUBA3 | 2 FRANCES STREET CLIFTON, NJ 07014 | AFLAC | $450 | — | $450 | 2.33% |
| DYLAN FRANCIS MONTEFORTE3 | 10 AMANDA LANE HOWELL, NJ 07731 | AFLAC | $166 | — | $166 | 0.86% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 4000 MIDATLANTIC DRIVE, SUITE 300 MOUNT LAUREL, NJ 08054 | VISION SERVICE PLAN | $961 | — | $961 | 6.03% |
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 | 315 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 321 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 200 | $3.3M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 200 | $3.3M |
| Vision | VISION SERVICE PLAN | 154 | $16K |
| Life insurance | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | 315 | $87K |
| Long-term disability | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | 315 | $87K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 200 | $3.3M |
| Other(3 contracts, 2 carriers) | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | 315 | $108K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 315 | — |
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."
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.