| 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 | $0 | $139K | $139K | 3.85% |
| GREAER METRO AGENCY INC.3 | 1000 WOODBURY ROAD, SUITE 403 WOODBURY, NY 11797 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $69K | $69K | 1.93% |
| GOLD SKY BENEFITS LLC3 | 40-29 235TH STREET DOUGLASTON, NY 11363 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $28K | $2K | $30K | 10.75% |
| GREAER METRO AGENCY INC.3 | 1000 WOODBURY ROAD, SUITE 403 WOODBURY, NY 11797 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $0 | $11K | $11K | 3.93% |
| GOLD SKY BENEFITS LLC3 | 40-29 235TH STREET DOUGLASTON, NY 11363 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $7K | $0 | $7K | 10.31% |
| FNA INSURANCE SERVICES INC3 Filed as: FNA INSURANCE SERVICES INC. | 1000 WOODBURY ROAD, SUITE 403 WOODBURY, NY 11797 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $0 | $3K | $3K | 3.55% |
| GOLD SKY BENEFITS LLC3 | 40-29 235TH STREET DOUGLASTON, NY 11363 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | $707 | $0 | $707 | 6.18% |
| FNA INSURANCE SERVICES INC3 Filed as: FNA INSURANCE SERVICES INC. | 1000 WOODBURY ROAD, SUITE 403 WOODBURY, NY 11797 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | $0 | $572 | $572 | 5.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN AND BROWN OF NEW YORK, INC. | 500 PLUM STREET, SUIT 200 STATEN ISLAND, NY 12304 | ACE AMERICAN INSURANCE COMPANY | $489 | $0 | $489 | 19.65% |
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 | 220 | 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) | 220 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 343 | $3.6M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 216 | $284K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 216 | $284K |
| Life insurance(2 contracts, 2 carriers) | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | 220 | $82K |
| Long-term disability(2 contracts, 2 carriers) | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | 220 | $82K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 343 | $3.6M |
| Other(3 contracts, 3 carriers) | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | 220 | $85K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 343 | — |
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.