| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LEONARD BRODSKY & ASSOCIATES3 Filed as: LEONARD BRODSKY & ASSOC | 48 W BRIDGE STREET NEW HOPE, PA 18938 | CIGNA | $48K | — | $48K | 4.99% |
| HEALTHY BUSINESS GROUP LLC3 | 34 BAY STREET PO BOX 1346 SAG HARBOR, NY 11963 | CIGNA | — | $17K | $17K | 1.80% |
| LEONARD BRODSKY & ASSOCIATES3 Filed as: LEONARD BRODSKY & ASSOCIATES INC | 48 W BRIDGE ST NEW HOPE, PA 18938 | CIGNA HEALTH AND LIFE INSURANCE CO | $5K | — | $5K | 7.23% |
| LEONARD ADAMS INSURANCE INC3 Filed as: LEONARD BRODSKY | 48 W BRIDGE ST NEW HOPE, PA 18938 | CIGNA LIFE INSURANCE CO OF NEW YORK | $689 | — | $689 | 15.01% |
| LEONARD ADAMS INSURANCE INC3 Filed as: LEONARD BRODSKY | 48 W BRIDGE ST NEW HOPE, PA 18938 | CIGNA LIFE INSURANCE CO OF NEW YORK | $203 | — | $203 | 14.98% |
| LENOARD BRODSKY3 | 48 W BRIDGE ST NEW HOPE, PA 18938 | CIGNA LIFE INSURANCE CO OF NEW YORK | $43 | — | $43 | 14.88% |
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 | 150 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 150 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA | 180 | $969K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE CO | 127 | $69K |
| Life insurance | CIGNA LIFE INSURANCE CO OF NEW YORK | 150 | $1K |
| Long-term disability | CIGNA LIFE INSURANCE CO OF NEW YORK | 150 | $5K |
| Other | CIGNA LIFE INSURANCE CO OF NEW YORK | 150 | $289 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 180 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.