| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 555 SOUTH PERRYVILLE ROAD ROCKFORD, IL 61108 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $19K | $166K | $185K | 3.56% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 4000 MIDLANTIC AVENUE, SUITE 300 MOUNT LAUREL, NJ 08054 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $13K | $0 | $13K | 4.47% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 4000 MIDLANTIC AVENUE, SUITE 300 MOUNT LAUREL, NJ 08054 | VISION SERVICE PLAN | $991 | $0 | $991 | 4.94% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | AFLAC | $444 | $0 | $444 | 4.70% |
| SVETLANA ZEITLIN3 | 105 ADDIS DRIVE CHURCHVILLE, PA 18966 | AFLAC | $337 | $0 | $337 | 3.57% |
| DAVID M. HRKACH3 Filed as: DAVID H. HRKACH AND OTHER AGENTS | PO BOX 10202 LAHAINA, HI 96761 | AFLAC | $178 | $0 | $178 | 1.88% |
| ALLAN H. MARKOWITZ3 | 17 LINDSEY PLACE HOLBROOK, NY 11741 | AFLAC | $126 | $0 | $126 | 1.33% |
| JACQUES P DAVID CORPORATION3 Filed as: JACQUES P. DAVID CORPORATION | 35 PINELAWN ROAD, SUITE 190 MELVILLE, NY 11747 | AFLAC | $67 | $0 | $67 | 0.71% |
| VINCENT MORELLI3 | 746 5TH STREET LYNDHURST, NJ 07071 | AFLAC | $66 | $0 | $66 | 0.70% |
| MATTHEW T O'HANLON3 Filed as: MATTHEW OHANLON | PO BOX 978 CONSHOHOCKEN, PA 19428 | AFLAC | $48 | $0 | $48 | 0.51% |
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 | 342 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 342 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 203 | $5.2M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 203 | $5.2M |
| Vision | VISION SERVICE PLAN | 158 | $20K |
| Life insurance | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | 342 | $279K |
| Short-term disability(2 contracts, 2 carriers) | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | 342 | $289K |
| Long-term disability | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | 342 | $279K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 203 | $5.2M |
| Other(3 contracts, 3 carriers) | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | 342 | $303K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 342 | — |
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.