| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GOLD SKY BENEFITS LLC3 | 40-29 235TH STREET DOUGLASTON, NY 11363 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | -$2K | $125K | $123K | 3.99% |
| GREATER METRO AGENCY INC3 | 1000 WOODBURY ROAD, SUITE 403 WOODBURY, NY 11797 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $60K | $60K | 1.93% |
| GOLD SKY BENEFITS LLC3 | 40-29 235TH STREET DOUGLASTON, NY 11363 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $31K | — | $31K | 9.94% |
| GREATER METRO AGENCY INC3 Filed as: GREATER METRO AGENCY INC. | 1000 WOODBURY ROAD, SUITE 403 WOODBURY, NY 11797 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $0 | $11K | $11K | 3.67% |
| GOLD SKY BENEFITS LLC3 | 40-29 235TH STREET DOUGLASTON, NY 11363 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $6K | $0 | $6K | 6.23% |
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 | 214 | 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) | 214 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 323 | $3.1M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 221 | $310K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 221 | $310K |
| Life insurance | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | 214 | $94K |
| Long-term disability | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | 214 | $94K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 323 | $3.1M |
| Other | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | 214 | $94K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 323 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
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.