| 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 | $67K | $67K | 2.23% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62939 VIRGINIA BEACH, VA 23466 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $48K | $0 | $48K | 1.58% |
| DONALD C SAVOY INC3 | ROUND TABLE STUDIOS 200 CONNELL DR SUITE 1000 BERKELEY HEIGHTS, NJ 07922 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $33K | $33K | 1.10% |
| PROFESSIONAL PENSIONS INC3 Filed as: PROFESSIONAL PENSIONS, INC | 10 RESEARCH PARKWAY WALLINGFORD, CT 06492 | MUTUAL OF OMAHA INSURANCE COMPANY | $6K | $10K | $16K | 12.75% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62939 VIRGINIA BEACH, VA 23466 | MUTUAL OF OMAHA INSURANCE COMPANY | $3K | $0 | $3K | 2.30% |
| NFP INSURANCE SERVICES INC3 | 1250 SOUTH CAPITAL OF TEXAS HIGHWAY SUITE 600 WEST LAKE HILLS, TX 78746 | MUTUAL OF OMAHA INSURANCE COMPANY | $0 | $2K | $2K | 1.27% |
| PROFESSIONAL PENSIONS INC3 Filed as: PROFESSIONAL PENSIONS, INC | 10 RESEARCH PARKWAY WALLINGFORD, CT 06492 | COMPANION LIFE INSURANCE COMPANY | $4K | $5K | $9K | 13.98% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62939 VIRGINIA BEACH, VA 23466 | COMPANION LIFE INSURANCE COMPANY | $3K | $0 | $3K | 4.79% |
| NFP INSURANCE SERVICES INC3 | 1250 SOUTH CAPITAL OF TEXAS HIGHWAY SUITE 600 WEST LAKE HILLS, TX 78746 | COMPANION LIFE INSURANCE COMPANY | $0 | $699 | $699 | 1.07% |
| JAIME M. BAUM3 Filed as: JAIME M BAUM | 45 GREENLAWN ROAD SOUND BEACH, NY 11789 | AFLAC | $5K | $366 | $5K | 7.80% |
| 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 | 5.60% |
| GIOVANNI ANTHONY CASSINO3 | 45 GREENLAWN ROAD SOUND BEACH, NY 11789 | AFLAC | $2K | $267 | $2K | 2.95% |
| MICHEAL PASQUALY DESTEFANO3 | 4250 VETERANS MEMORIAL HIGHWAY SUITE 1015W HOLBROOK, NY 11741 | AFLAC | $2K | $149 | $2K | 2.85% |
| DOMINIC VINCENT CASSINO3 | 45 GREENLAND ROAD SOUND BEACH, NY 11789 | AFLAC | $661 | $61 | $722 | 1.12% |
| JULICA RATKIEWICZ3 | 23 CHRUCH STREET PORT JEFFERSON STATION, NY 11776 | AFLAC | $297 | $101 | $398 | 0.62% |
| STEPHEN CLANCY & OTHER AGENTS3 | 152 WALKER ROAD MINEOLA, NY 11501 | AFLAC | $168 | $7 | $175 | 0.27% |
| STERLING AND STERLING, INC.3 Filed as: STERLING & STERLING LLC | 135 CROSSWAYS PARK DRIVE WODBURY, NY 11797 | THE PAUL REVERE LIFE INSURANCE COMPANY | $24 | $0 | $24 | 2.71% |
| VENESSA N DEAN3 | 1052 ASHFORD AVENUE, APRATMENT 802 SAN JUAN, PR 00907 | THE PAUL REVERE LIFE INSURANCE COMPANY | $10 | $0 | $10 | 1.13% |
| LORRAINE RAHODES3 | 4A KENSINGTON COURT CLIFTON PARK, NY 12065 | THE PAUL REVERE LIFE INSURANCE COMPANY | $5 | $0 | $5 | 0.56% |
| ZEBEST INC3 | 2055 RESTON CIRCLE ROYAL PALM BEACH, FL 33411 | THE PAUL REVERE LIFE INSURANCE COMPANY | $5 | $0 | $5 | 0.56% |
| EILEEN SANCHEZ MEDINA3 Filed as: EILEEN E BERG | 319 THOMASTON ROAD, UNIT 12 WATERTOWN, CT 06795 | THE PAUL REVERE LIFE INSURANCE COMPANY | $3 | $0 | $3 | 0.34% |
| FLEURY ENTERPRISES INC3 | 162 INDIAN POINT ROAD TIVERTON, RI 02878 | THE PAUL REVERE LIFE INSURANCE COMPANY | $3 | $0 | $3 | 0.34% |
| LORRAINE RAHODES3 | 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 | 536 | 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) | 536 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 260 | $3.0M |
| Vision | VISION SERVICE PLAN | 194 | $37K |
| Life insurance(2 contracts, 2 carriers) | MUTUAL OF OMAHA INSURANCE COMPANY | 536 | $190K |
| Short-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 536 | $125K |
| Long-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 536 | $125K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 260 | $3.0M |
| Other(5 contracts, 5 carriers) | MUTUAL OF OMAHA INSURANCE COMPANY | 564 | $204K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 564 | — |
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.