| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PCF INSURANCE SERVICES OF THE WEST3 Filed as: PCF INS SERVICES OF THE WEST LLC | 200 CONTINENTAL DRIVE SUITE 305 NEWARK, DE 19713 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $96K | $96K | 3.19% |
| DONALD C SAVOY INC3 | 200 CONELL DRIVE, SUITE 1000 BERKELEY HEIGHTS, NJ 07922 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $60K | $60K | 2.00% |
| PROFESSIONAL PENSIONS INC3 | 10 RESEARCH PARKWAY WALLINGFORD, CT 06492 | MUTUAL OF OMAHA INSURANCE COMPANY | $9K | $11K | $20K | 15.62% |
| NFP INSURANCE SERVICES INC3 | 1250 SOUTH CAPITAL OF TEXAS HIGHWAY SUITE 600 WEST LAKE HILLS, TX 78746 | MUTUAL OF OMAHA INSURANCE COMPANY | $0 | $948 | $948 | 0.74% |
| PROFESSIONAL PENSIONS INC3 | 10 RESEARCH PARKWAY WALLINGFORD, CT 06492 | COMPANION LIFE INSURANCE COMPANY | $6K | $7K | $13K | 23.48% |
| NFP INSURANCE SERVICES INC3 | 1250 SOUTH CAPITAL OF TEXAS HIGHWAY SUITE 600 WEST LAKE HILLS, TX 78746 | COMPANION LIFE INSURANCE COMPANY | $0 | $479 | $479 | 0.85% |
| JAIME M. BAUM3 Filed as: JAIME M BAUM | 45 GREENLAWN ROAD SOUND BEACH, NY 11789 | AFLAC | $5K | $189 | $6K | 11.47% |
| PCF INSURANCE SERVICES OF THE WEST3 Filed as: PCF INS SERVICES OF THE WEST, LLC | 120 BROADWAY NEW YORK, NY 10271 | AFLAC | $4K | $0 | $4K | 7.85% |
| GIOVANNI ANTHONY CASSINO3 | 45 GREENLAWN ROAD SOUND BEACH, NY 11789 | AFLAC | $2K | $81 | $2K | 4.86% |
| MICHAEL PASQUALY DESTEFANO3 | 4250 VETERANS MEMORIAL HIGHWAY SUITE 1015W HOLBROOK, NY 11741 | AFLAC | $2K | $55 | $2K | 4.24% |
| JULIA RATKIEWICZ3 | 23 CHRUCH STREET PORT JEFFERSON STATION, NY 11776 | AFLAC | $580 | $31 | $611 | 1.26% |
| DOMINIC VINCENT CASSINO3 | 45 GREENLAND ROAD SOUND BEACH, NY 11789 | AFLAC | $398 | $0 | $398 | 0.82% |
| CYNTHIA HARRIS3 Filed as: CYNTHIA J HARRIS AND OTHER AGENTS | 97 CRYSTAL BROOK HOLLOW ROAD MOUNT SINAI, NY 11766 | AFLAC | $180 | $32 | $212 | 0.44% |
| FLEURY ENTERPRISES INC3 | 162 INDIAN POINT ROAD TIVERTON, RI 02878 | THE PAUL REVERE LIFE INSURANCE COMPANY | $61 | $0 | $61 | 4.76% |
| STERLING AND STERLING, INC.3 Filed as: STERLING AND STRELING LLC | 135 CROSSWAYS PARK DRIVE WOODBURY, NY 11797 | THE PAUL REVERE LIFE INSURANCE COMPANY | $30 | $0 | $30 | 2.34% |
| VENESSA N DEAN3 | 1052 ASHFORD AVENUE, APARTMENT 802 SAN JUAN, PR 00907 | THE PAUL REVERE LIFE INSURANCE COMPANY | $13 | $0 | $13 | 1.01% |
| LORRAINE RHODES3 | 4A KENSINGTON COURT CLIFTON PARK, NY 12065 | THE PAUL REVERE LIFE INSURANCE COMPANY | $5 | $0 | $5 | 0.39% |
| ZEBEST INC3 | 2055 RESTON CIRCLE ROYAL PALM BEACH, FL 33411 | THE PAUL REVERE LIFE INSURANCE COMPANY | $5 | $0 | $5 | 0.39% |
| EILEEN SANCHEZ MEDINA3 Filed as: EILEEN E BERG | 319 THOMASTON ROAD, UNIT 12 WATERTOWN, CT 06795 | THE PAUL REVERE LIFE INSURANCE COMPANY | $4 | $0 | $4 | 0.31% |
| FLEURY ENTERPRISES INC3 | 162 INDIAN POINT ROAD TIVERTON, RI 02878 | THE PAUL REVERE LIFE INSURANCE COMPANY | $1 | $0 | $1 | 0.08% |
| LORRAINE RHODES3 | 4A KENSINGTON COURT CLIFTON PARK, NY 12065 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $0 | $2 | 0.55% |
| SALATHIEL MALDONADO3 | 504 EAST BOYDS ROAD CARMEL, NY 10512 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $2 | $0 | $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 | 572 | 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) | 572 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 269 | $3.0M |
| Vision | VISION SERVICE PLAN | 209 | $37K |
| Life insurance(2 contracts, 2 carriers) | MUTUAL OF OMAHA INSURANCE COMPANY | 572 | $184K |
| Short-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 572 | $128K |
| Long-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 572 | $128K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 269 | $3.0M |
| Other(5 contracts, 5 carriers) | MUTUAL OF OMAHA INSURANCE COMPANY | 572 | $190K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 572 | — |
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.