| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PCF INSURANCE SERVICES OF THE WEST3 | 200 CONTINENTAL DRIVE SUITE 305 NEWARK, DE 19713 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $47K | $47K | 3.74% |
| DONALD C SAVOY INC3 | 25B HANOVER ROAD #B SUITE 220 FLORHAM PARK, NJ 07932 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $25K | $25K | 2.00% |
| PCF INSURANCE SERVICES OF THE WEST3 Filed as: PCF INS. SVCS OF THE WEST LLC | 21300 VICTORY BLVD SUITE 700 WOODLAND HILLS, CA 91367 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | -$100 | -$100 | -0.01% |
| JAMIE M BAUM3 | 45 GREENLAWN RD SOUND BEACH, NY 11789 | AFLAC | $4K | — | $4K | 21.33% |
| PCF INSURANCE SERVICES OF THE WEST3 Filed as: PCF INSURANCE SVCS OF THE WEST LLC | 120 BROADWAY NEW YORK, NY 10271 | AFLAC | $2K | — | $2K | 11.69% |
| MICHAEL PASQUALY DESTEFANO3 | 4250 VETERANS MEMORIAL HWY SUITE 1015W HOLBROOK, NY 11741 | AFLAC | $2K | — | $2K | 9.96% |
| JULIA RATKIEWICZ3 | 23 CHURCH ST PORT JEFFERSON STATION, NY 11776 | AFLAC | $363 | — | $363 | 1.80% |
| LUCAS N PATTEN3 | 2 ARTIST LAKE BLVD MIDDLE ISLAND, NC 11953 | AFLAC | $301 | — | $301 | 1.49% |
| GIOVANNI ANTHONY CASSINO3 | PO BOX 1124 MILLER PLACE, NC 11764 | AFLAC | $55 | — | $55 | 0.27% |
| PROFESSIONAL PENSIONS INC3 | 10 RESEARCH PARKWAY WALLINGFORD, CT 06492 | MUTUAL OF OMAHA INSURANCE COMPANY | $2K | $569 | $2K | 13.04% |
| PROFESSIONAL PENSIONS INC3 | 10 RESEARCH PARKWAY WALLINGFORD, CT 06492 | MUTUAL OF OMAHA INSURANCE COMPANY | — | $937 | $937 | 5.00% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY SUITE 600 WEST LAKE HILLS, TX 78746 | MUTUAL OF OMAHA INSURANCE COMPANY | — | $119 | $119 | 0.64% |
| PROFESSIONAL PENSIONS INC3 | 10 RESEARCH PARKWAY WALLINGFORD, CT 06492 | MUTUAL OF OMAHA INSURANCE COMPANY | $1K | $654 | $2K | 15.00% |
| PROFESSIONAL PENSIONS INC3 | 10 RESEARCH PARKWAY WALLINGFORD, CT 06492 | MUTUAL OF OMAHA INSURANCE COMPANY | — | $326 | $326 | 2.49% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY SUITE 600 WEST LAKE HILLS, TX 78746 | MUTUAL OF OMAHA INSURANCE COMPANY | — | $68 | $68 | 0.52% |
| PROFESSIONAL PENSIONS INC3 | 10 RESEARCH PARKWAY WALLINGFORD, CT 06492 | COMPANION LIFE INSURANCE COMPANY | $1K | $248 | $1K | 18.19% |
| PROFESSIONAL PENSIONS INC3 | 10 RESEARCH PARKWAY WALLINGFORD, CT 06492 | COMPANION LIFE INSURANCE COMPANY | — | $389 | $389 | 5.00% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY SUITE 600 WEST LAKE HILLS, TX 78746 | COMPANION LIFE INSURANCE COMPANY | — | $52 | $52 | 0.67% |
| PROFESSIONAL PENSIONS INC3 | 10 RESEARCH PARKWAY WALLINGFORD, CT 06492 | COMPANION LIFE INSURANCE COMPANY | $609 | $305 | $914 | 15.00% |
| PROFESSIONAL PENSIONS INC3 | 10 RESEARCH PARKWAY WALLINGFORD, CT 06492 | COMPANION LIFE INSURANCE COMPANY | — | $526 | $526 | 8.63% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY SUITE 600 WEST LAKE HILLS, TX 78746 | COMPANION LIFE INSURANCE COMPANY | — | $59 | $59 | 0.97% |
| STERLING AND STERLING, INC.3 Filed as: STERLING & STERLING LLC | PO BOX 9017 WOODBURY, NY 11797 | THE PAUL REVERE LIFE INSURANCE COMPANY | $33 | — | $33 | 1.85% |
| PENELOPE ELLEN DEAN3 | 1052 ASHFORD AVE APT 802 SAN JUAN, PR 00907 | THE PAUL REVERE LIFE INSURANCE COMPANY | $20 | — | $20 | 1.12% |
| VENESSA N DEAN3 | 1052 ASHFORD AVE APT 802 SAN JUAN, PA 00907 | THE PAUL REVERE LIFE INSURANCE COMPANY | $14 | — | $14 | 0.78% |
| ZEBEST INC3 | 3 GORING PL WAPPINGERS FALLS, NC 12590 | THE PAUL REVERE LIFE INSURANCE COMPANY | $11 | — | $11 | 0.62% |
| LORRAINE RHODES3 | 4A KENSINGTON COURT CLIFTON PARK, NC 12065 | THE PAUL REVERE LIFE INSURANCE COMPANY | $8 | — | $8 | 0.45% |
| EILEEN SANCHEZ MEDINA3 Filed as: EILEEN E BERG | 319 THOMASTON RD WATERTOWN, CT 06795 | THE PAUL REVERE LIFE INSURANCE COMPANY | $5 | — | $5 | 0.28% |
| FLUERY ENTERPRISES INC3 | 162 INDIAN POINT RD TIVERTON, RI 02878 | THE PAUL REVERE LIFE INSURANCE COMPANY | $5 | — | $5 | 0.28% |
| SALATHIEL MALDONADO3 | 504 E BOYDS RD CARMEL, NC 10512 | THE PAUL REVERE LIFE INSURANCE COMPANY | $2 | — | $2 | 0.11% |
| SOTERIA PARTNERS LLC3 | 1050 WALL ST WEST LYNDHURST, NJ 07071 | THE PAUL REVERE LIFE INSURANCE COMPANY | $1 | — | $1 | 0.06% |
| PROFESSIONAL PENSIONS INC3 | 10 RESEARCH PARKWAY WALLINGFORD, CT 06492 | MUTUAL OF OMAHA INSURANCE COMPANY | $92 | $46 | $138 | 15.00% |
| PROFESSIONAL PENSIONS INC3 | 10 RESEARCH PARKWAY WALLINGFORD, CT 06492 | MUTUAL OF OMAHA INSURANCE COMPANY | — | $79 | $79 | 8.59% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY SUITE 600 WEST LAKE HILLS, TX 78746 | MUTUAL OF OMAHA INSURANCE COMPANY | — | $9 | $9 | 0.98% |
| PROFESSIONAL PENSIONS INC3 | 10 RESEARCH PARKWAY WALLINGFORD, CT 06492 | MUTUAL OF OMAHA INSURANCE COMPANY | $73 | $24 | $97 | 19.96% |
| PROFESSIONAL PENSIONS INC3 | 10 RESEARCH PARKWAY WALLINGFORD, CT 06492 | MUTUAL OF OMAHA INSURANCE COMPANY | — | $33 | $33 | 6.79% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY SUITE 600 WEST LAKE HILLS, TX 78746 | MUTUAL OF OMAHA INSURANCE COMPANY | — | $7 | $7 | 1.44% |
| LORRAINE RHODES3 | 4A KENSINGTON COURT CLIFTON PARK, NY 12065 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.55% |
| SALATHIEL MALDONADO3 | 504 E BOYDS RD CARMEL, NC 10512 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | — | $2 | 0.55% |
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 | 237 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 239 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 108 | $1.3M |
| Vision | VISION SERVICE PLAN | 97 | $14K |
| Life insurance(2 contracts, 2 carriers) | COMPANION LIFE INSURANCE COMPANY | 237 | $7K |
| Short-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 60 | $13K |
| Long-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 37 | $19K |
| Other(6 contracts, 5 carriers) | AFLAC | 237 | $32K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 237 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.