| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RUGGIERI, PHILIP3 | 355 LEXINGTON AVE 22ND FL NEW YORK, NY 10017 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $152K | $0 | $152K | 26.50% |
| RUGGIERI CONSULTING GROUP LLC3 Filed as: RUGGIERI CONSULTING GROUP | 355 LEXINGTON AVE NEW YORK, NY 10017 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $5K | $0 | $5K | 2.66% |
| RUGGIERI CONSULTING GROUP LLC3 Filed as: RUGGIERI CONSULTING GROUP | 355 LEXINGTON AVE NEW YORK, NY 10017 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $3K | $0 | $3K | 3.79% |
| RUGGIERI CONSULTING GROUP LLC3 Filed as: RUGGIERI CONSULTING GROUP | 355 LEXINGTON AVE NEW YORK, NY 10017 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $2K | $0 | $2K | 12.82% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST LIMITED | 100 SUNNYSIDE BLVD WOODBURY, NY 117972925 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $68 | $10 | $78 | 17.14% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA BEHAVIORAL HEALTH, INC. EIN 41-1648670 NONE | Claims processing; Direct payment from the plan; Participant communication; Contract Administrator Service code 12 | — | $6K |
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 | 567 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 4 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 577 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 672 | $573K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 672 | $573K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 672 | $573K |
| Life insurance | CIGNA LIFE INSURANCE CO. OF NEW YORK | 592 | $76K |
| Long-term disability | CIGNA LIFE INSURANCE CO. OF NEW YORK | 586 | $171K |
| Other(2 contracts, 2 carriers) | CIGNA LIFE INSURANCE CO. OF NEW YORK | 592 | $13K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 672 | — |
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.