| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TALLEY, THOMAS3 | 137 CALIFORNIA PLACE N ISLAND PARK, NY 11558 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $53K | — | $53K | 4.32% |
| EMERSON REID LLC3 Filed as: EMERSON REID & COMPANY | 669 RIVER DRIVE CTR II STE 305 ELMWOOD PARK, NJ 07407 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | — | $26K | $26K | 2.08% |
| EMERSON REID LLC3 Filed as: EMERSON REID, LLC | 261 MADISON AVE STE 602 NEW YORK, NY 10016 | EXCESS REINSURANCE | — | $258K | $258K | 534.46% |
| DAVID CRITTENDEN3 | 20 WHITEGRASS WAY GRAYSON, GA 30017 | AFLAC | $19 | — | $19 | 5.16% |
| QUATRRONE FINANCIAL SERVICES3 | 95 WASHINGTON AVE SUFFEN, NY 10901 | AFLAC | $10 | — | $10 | 2.72% |
| MICHAEL REYES3 | 185 PLAINS ROAD SUITE 200E MILFORD, CT 06461 | AFLAC | $5 | — | $5 | 1.36% |
| DYLAN FRANCIS MONTEFORTE3 Filed as: DYLAN MONTEFORTE | 10 AMANDA LN HOWELL, NJ 07731 | AFLAC | $3 | — | $3 | 0.82% |
| MCINERNEY GROUP LLC3 | 580 WHITE PLAINS ROAD SUITE 600 TARRYTOWN, NY 10591 | AFLAC | $3 | — | $3 | 0.82% |
| MELISA SCHOFIELD3 | 932 E VOLK LN MIDDLETOWN, CT 06457 | AFLAC | $1 | — | $1 | 0.27% |
| BRADLEY MADIGAN3 | 70 BRIXTON RD GARDEN CITY, NY 11530 | AFLAC | $1 | — | $1 | 0.27% |
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 | 704 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 704 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 106 | $1.2M |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 106 | $1.2M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 106 | $1.2M |
| Life insurance | AFLAC | 7 | $368 |
| Short-term disability | AFLAC | 7 | $368 |
| Stop-loss / reinsurancereinsurance | EXCESS REINSURANCE | 567 | $48K |
| Other(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 106 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 567 | — |
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.