| 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 | — | $78K | $78K | 3.50% |
| DONALD C SAVOY INC3 | 200 CONNELL DRIVE SUITE 100 BERKELEY HEIGHTS, NJ 07922 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $44K | $44K | 2.00% |
| PROFESSIONAL PENSIONS INC3 | 10 RESEARCH PARKWAY WALLINGFORD, CT 06492 | MUTUAL OF OMAHA INSURANCE COMPANY | $5K | $4K | $8K | 11.42% |
| PROFESSIONAL PENSIONS INC3 | 10 RESEARCH PARKWAY WALLINGFORD, CT 06492 | COMPANION LIFE INSURANCE COMPANY | $3K | $2K | $5K | 16.34% |
| PROFESSIONAL PENSIONS INC3 | 10 RESEARCH PARKWAY WALLINGFORD, CT 06492 | COMPANION LIFE INSURANCE COMPANY | — | $1K | $1K | 5.00% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY SUITE 600 WEST LAKE HILLS, TX 78746 | COMPANION LIFE INSURANCE COMPANY | — | $78 | $78 | 0.28% |
| JAMIE M BAUM3 | 45 GREENLAWN RD SOUND BEACH, NY 11789 | AFLAC | $3K | $403 | $3K | 12.35% |
| PCF INSURANCE SERVICES OF THE WEST3 Filed as: PCF INSURANCE SVCS OF THE WEST LLC | 120 BROADWAY NEW YORK, NY 10271 | AFLAC | $2K | — | $2K | 6.89% |
| MICHAEL PASQUALY DESTEFANO3 | 4250 VETERANS MEMORIAL HWY SUITE 1015W HOLBROOK, NY 11741 | AFLAC | $1K | $208 | $1K | 5.02% |
| JULIA RATKIEWICZ3 | 23 CHURCH ST PORT JEFFERSON STATION, NY 11776 | AFLAC | $348 | $36 | $384 | 1.46% |
| GIOVANNI ANTHONY CASSINO3 | 45 GREENLAWN RD SOUND BEACH, NY 11789 | AFLAC | $168 | $17 | $185 | 0.70% |
| JOSETTE PARKER-DANIELS3 | 114 CASSA LOOP HOLTSVILLE, NY 11742 | AFLAC | $74 | — | $74 | 0.28% |
| CYNTHIA HARRIS3 Filed as: CYNTHIA JOYCE HARRIS | 97 CRYSTAL BROOK HOLLOW RD MOUNT SINAI, NY 11766 | AFLAC | $23 | — | $23 | 0.09% |
| DOMINIC VINCENT CASSINO3 | 45 GREENLAWN RD SOUND BEACH, NY 11789 | AFLAC | $3 | — | $3 | 0.01% |
| PROFESSIONAL PENSIONS INC3 | 10 RESEARCH PARKWAY WALLINGFORD, CT 06492 | MUTUAL OF OMAHA INSURANCE COMPANY | $2K | $2K | $5K | 18.07% |
| PROFESSIONAL PENSIONS INC3 | 10 RESEARCH PARKWAY WALLINGFORD, CT 06492 | MUTUAL OF OMAHA INSURANCE COMPANY | — | $1K | $1K | 5.00% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY SUITE 600 WEST LAKE HILLS, TX 78746 | MUTUAL OF OMAHA INSURANCE COMPANY | — | $160 | $160 | 0.64% |
| PROFESSIONAL PENSIONS INC3 | 10 RESEARCH PARKWAY WALLINGFORD, CT 06492 | COMPANION LIFE INSURANCE COMPANY | $2K | $1K | $3K | 23.56% |
| PROFESSIONAL PENSIONS INC3 | 10 RESEARCH PARKWAY WALLINGFORD, CT 06492 | COMPANION LIFE INSURANCE COMPANY | — | $658 | $658 | 5.00% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY SUITE 600 WEST LAKE HILLS, TX 78746 | COMPANION LIFE INSURANCE COMPANY | — | $97 | $97 | 0.74% |
| PROFESSIONAL PENSIONS INC3 | 10 RESEARCH PARKWAY WALLINGFORD, CT 06492 | MUTUAL OF OMAHA INSURANCE COMPANY | $478 | $296 | $774 | 16.19% |
| PROFESSIONAL PENSIONS INC3 | 10 RESEARCH PARKWAY WALLINGFORD, CT 06492 | MUTUAL OF OMAHA INSURANCE COMPANY | — | $239 | $239 | 5.00% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY SUITE 600 WEST LAKE HILLS, TX 78746 | MUTUAL OF OMAHA INSURANCE COMPANY | — | $12 | $12 | 0.25% |
| STERLING AND STERLING, INC.3 Filed as: STERLING & STERLING LLC | 135 CROSSWAYS PARK DRIVE WOODBURY, NY 11797 | THE PAUL REVERE LIFE INSURANCE COMPANY | $33 | — | $33 | 2.79% |
| VENESSA N DEAN3 | 1052 ASHFORD AVE APT 802 SAN JUAN, PR 00907 | THE PAUL REVERE LIFE INSURANCE COMPANY | $14 | — | $14 | 1.18% |
| ZEBEST INC3 | 2055 RESTON CIR ROYAL PALM BEACH, FL 33411 | THE PAUL REVERE LIFE INSURANCE COMPANY | $11 | — | $11 | 0.93% |
| LORRAINE RHODES3 | 4A KENSINGTON COURT CLIFTON PARK, NY 12065 | THE PAUL REVERE LIFE INSURANCE COMPANY | $5 | — | $5 | 0.42% |
| EILEEN SANCHEZ MEDINA3 Filed as: EILEEN E BERG | 319 THOMASTON RD UNIT 12 WATERTOWN, CT 06795 | THE PAUL REVERE LIFE INSURANCE COMPANY | $5 | — | $5 | 0.42% |
| FLUERY ENTERPRISES INC3 | 162 INDIAN POINT RD TIVERTON, RI 02878 | THE PAUL REVERE LIFE INSURANCE COMPANY | $5 | — | $5 | 0.42% |
| PROFESSIONAL PENSIONS INC3 | 10 RESEARCH PARKWAY WALLINGFORD, CT 06492 | MUTUAL OF OMAHA INSURANCE COMPANY | $86 | $64 | $150 | 16.84% |
| PROFESSIONAL PENSIONS INC3 | 10 RESEARCH PARKWAY WALLINGFORD, CT 06492 | MUTUAL OF OMAHA INSURANCE COMPANY | — | $29 | $29 | 3.25% |
| NFP INSURANCE SERVICES INC3 | 1250 S CAPITAL OF TEXAS HWY SUITE 600 WEST LAKE HILLS, TX 78746 | MUTUAL OF OMAHA INSURANCE COMPANY | — | $7 | $7 | 0.79% |
| 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 | 500 | 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) | 500 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 219 | $2.2M |
| Vision | VISION SERVICE PLAN | 185 | $27K |
| Life insurance(2 contracts, 2 carriers) | COMPANION LIFE INSURANCE COMPANY | 510 | $33K |
| Short-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 115 | $25K |
| Long-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 512 | $70K |
| Other(6 contracts, 5 carriers) | AFLAC | 510 | $47K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 512 | — |
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.