| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| IBG INSURANCE SERVICES, LLC3 | 133 PADDINGTON CIRCLE SMITHTOWN, NY 11787 | CIGNA LIFE AND HEALTH INSURANCE COMPANY | $32K | $0 | $32K | 4.00% |
| IBG INSURANCE SERVICES, LLC3 | 133 PADDINGTON CIRCLE SMITHTOWN, NY 11787 | CIGNA LIFE AND HEALTH INSURANCE COMPANY | $3K | — | $3K | 6.94% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PKWAY W VEVA 16 #320 BLUE BELL, PA 19422 | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | $3K | $2K | $5K | 11.53% |
| IBG INSURANCE SERVICES, LLC3 Filed as: IBG INSURANCE SERVICES LLC | 133 PADDINGTON CIRCLE SMITHTOWN, NY 11787 | UNITEDHEALTHCARE INSURANCE COMPANY | $238 | — | $238 | 10.00% |
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 | 118 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 118 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA LIFE AND HEALTH INSURANCE COMPANY | 58 | $808K |
| Dental | CIGNA LIFE AND HEALTH INSURANCE COMPANY | 52 | $47K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 28 | $2K |
| Life insurance | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | 0 | $42K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 58 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.