| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 4000 MIDLANTIC DRIVE, SUITE 300 MOUNT LAUREL, NJ 08054 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $171K | — | $171K | 4.12% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 4000 MIDLANTIC AVENUE, SUITE 300 MOUNT LAUREL, NJ 08054 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $13K | $3K | $16K | 8.54% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 4000 MIDLANTIC DRIVE, SUITE 300 MOUNT LAUREL, NJ 08054 | VISION SERVICE PLAN | $1K | — | $1K | 5.79% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 14TH FLOOR ITASCA, IL 60143 | AFLAC | $813 | — | $813 | 5.62% |
| JACQUES P DAVID CORPORATION3 Filed as: JACQUES DAVID CORP AND OTHER AGENTS | 125 JERICHO TURNPIKE, SUITE 201 JERICHO, NY 11753 | AFLAC | $508 | $60 | $568 | 3.93% |
| ALLAN H. MARKOWITZ3 Filed as: ALLAN M. MARKOWITZ | 17 LINDSEY PLACE SUITE 1015W HOLBROOK, NY 11741 | AFLAC | $311 | $90 | $401 | 2.77% |
| VINCENT MORELLI3 | 746 5TH STREET LYNDHURST, NJ 07071 | AFLAC | $286 | $83 | $369 | 2.55% |
| SVETLANA ZEITLIN3 | 105 ADDIS DRIVE CHURCHVILLE, PA 18966 | AFLAC | $137 | $136 | $273 | 1.89% |
| STEPHANIE J RITTNER3 Filed as: STEPHANIE J. RITTNER | 109 FONTAINE COURT MONROE TOWNSHIP, NJ 08831 | AFLAC | $219 | — | $219 | 1.51% |
| DYLAN FRANCIS MONTEFORTE3 | 10 AMANDA LANE HOWELL, NJ 07731 | AFLAC | $120 | $13 | $133 | 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 | 369 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 376 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 255 | $4.2M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 255 | $4.2M |
| Vision | VISION SERVICE PLAN | 161 | $18K |
| Life insurance | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | 369 | $192K |
| Short-term disability | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | 369 | $192K |
| Long-term disability | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | 369 | $192K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 255 | $4.2M |
| Other(2 contracts, 2 carriers) | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | 369 | $207K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 369 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.