| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STRATEGIC WELLNESS & INS MANAGEMENT3 Filed as: STRATEGIC WELLNESS & INSURANCE | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $394K | $74K | $467K | 3.00% |
| BRIDGEMARK INSURANCE GROUP3 | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $169K | — | $169K | 1.08% |
| FNA INSURANCE SERVICES INC3 Filed as: FNA INSURANCE SERVICES, INC. | 1000 WOODBURY ROAD SUITE 403 WOODBURY, NY 11797 | HARTFORD LIFE AND ACCIDENT | $6K | $16K | $21K | 5.23% |
| BRIDGEMARK INSURANCE GROUP3 Filed as: BRIDGEMARK INSURANCE GROUP LLC | 6929 NORTH HAYDEN ROAD SUITE C4454 SCOTTSDALE, AZ 85250 | HARTFORD LIFE AND ACCIDENT | $749 | — | $749 | 0.18% |
| STRATEGIC WELLNESS & INS MANAGEMENT3 Filed as: STRATEGIC WELLNESS & INSURANCE MGMT | 15 PARK PLACE SUITE 3 BRONXVILLE, NY 10708 | UNITEDHEALTHCARE | $9K | — | $9K | 3.04% |
| BRIDGEMARK INSURANCE GROUP3 Filed as: BRIDGEMARK INSURANCE GROUP LLC | 6929 NORTH HAYDEN ROAD SUITE C4-454 SCOTTSDALE, AZ 85250 | UNITEDHEALTHCARE | $530 | — | $530 | 0.18% |
| STRATEGIC WELLNESS & INS MANAGEMENT3 Filed as: STRATEGIC WELLNESS & INSURANCE MGMT | 15 PARK PLACE SUITE 3 BRONXVILLE, NY 10708 | METLIFE | $11K | — | $11K | 5.05% |
| BRIDGEMARK INSURANCE GROUP3 Filed as: BRIDGEMARK INSURANCE GROUP LLC | 6929 NORTH HAYDEN ROAD SUITE C4454 SCOTTSDALE, AZ 85250 | METLIFE | $11K | — | $11K | 4.95% |
| A SECURE YOU INC3 Filed as: A SECURE YOU INC. | 346 REIST STREET WILLIAMSVILLE, NY 14221 | PRE-PAID LEGAL SERVICES INC DBA LEAGLSHIELD | $8K | — | $8K | 55.28% |
| MARC RODRIGUEZ3 | 449 WEST 44TH STREET APARTMENT 4K NEW YORK, NY 10036 | PRE-PAID LEGAL SERVICES INC DBA LEAGLSHIELD | $957 | — | $957 | 6.64% |
| AUSTIN H SOARES3 | 260 TOWER AVENUE HARTFORD, CT 06120 | PRE-PAID LEGAL SERVICES INC DBA LEAGLSHIELD | $174 | — | $174 | 1.21% |
| CHRISTOPHER J BRANTIGAN3 | 3204 BRIDGEWICK ROAD WAXHAW, NC 28173 | PRE-PAID LEGAL SERVICES INC DBA LEAGLSHIELD | $76 | — | $76 | 0.53% |
| TONYA M MACK3 | 5023 WEST QUINCY STREET CHICAGO, IL 60644 | PRE-PAID LEGAL SERVICES INC DBA LEAGLSHIELD | $61 | — | $61 | 0.42% |
| KACY LAVENDER3 | 307 SPRING CREEK MOODY, TX 76557 | PRE-PAID LEGAL SERVICES INC DBA LEAGLSHIELD | $61 | — | $61 | 0.42% |
| DULEY BOLWAR & ASSOCIATES INC3 Filed as: DULEY BOLWAR AND ASSOCIATES INC | 14805 NORTH 73RD STREET SCOTTSDALE, AZ 85260 | PRE-PAID LEGAL SERVICES INC DBA LEAGLSHIELD | $40 | — | $40 | 0.28% |
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 | 1,729 | 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) | 1,729 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 2,516 | $15.8M |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 2,516 | $15.8M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 2,516 | $15.6M |
| Life insurance(3 contracts, 2 carriers) | UNITEDHEALTHCARE | 1,737 | $795K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 2,389 | $407K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 2,516 | $15.6M |
| Other(6 contracts, 5 carriers) | HARTFORD LIFE AND ACCIDENT | 2,389 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,516 | — |
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.
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.