| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NY DBA OPUS ADV | 1133 WESTCHESTER AVENUE SUITE N-136 WHITE PLAINS, NY 10604 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $14K | $134K | $148K | 3.42% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS INC. | 225 WIRELESS BLVD 2ND FLOOR HAUPPAUGE, NY 11788 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $92K | $92K | 2.12% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NY | 1133 WESTCHESTER AVENUE SUITE N-136 WHITE PLAINS, NY 10604 | SUN LIFE AND HEALTH INSURANCE COMPANY | $15K | — | $15K | 12.25% |
| MJ INSURANCE3 Filed as: VARIOUS AGENTS - SEE ATTACHMENT | 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $17K | $688 | $18K | 15.29% |
| RUSSELL J CARPENTIERI3 | 500 OCEAN DRIVE APT 9ED JUNO BEACH, FL 33408 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 3.95% |
| NEW YORK RHB, LLC3 | 120 BROADWAY FLOOR 37 NEW YORK, NY 10271 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $255 | — | $255 | 0.40% |
| RUSSELL J CARPENTIERI3 | 500 OCEAN DRIVE APT 9ED JUNO BEACH, FL 33408 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 8.10% |
| NEW YORK RHB, LLC3 | 120 BROADWAY FLOOR 37 NEW YORK, NY 10271 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $121 | — | $121 | 0.31% |
| MJ INSURANCE3 Filed as: VARIOUS AGENTS-SEE ATTACHMENT | 1932 WYNNTON ROAD COLUMBUS, GA 31999 | AFLAC | $6K | $612 | $6K | 20.69% |
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 | 370 | 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) | 370 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 511 | $4.3M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 511 | $4.3M |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 316 | $39K |
| Life insurance | SUN LIFE AND HEALTH INSURANCE COMPANY | 370 | $123K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 240 | $64K |
| Long-term disability | SUN LIFE AND HEALTH INSURANCE COMPANY | 370 | $123K |
| Other(3 contracts, 2 carriers) | SUN LIFE AND HEALTH INSURANCE COMPANY | 370 | $270K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 511 | — |
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.