| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DKG INSURANCE & FINANCIAL SERVICES3 Filed as: DKG INSURANCE & FINANCIAL SERV INC | 1133 WESTCHESTER AVE SUITE S-229 WHITE PLAINS, NY 10604 | CIGNA HEALTH & LIFE INSURANCE COMPANY AND AFFILIATES | $45K | $0 | $45K | 13.59% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FIN SERV | WESTCHESTER AVE SUITE 229 WHITE PLAINS, NY 10604 | CIGNA HEALTH & LIFE INSURANCE COMPANY AND AFFILIATES | $0 | $18K | $18K | 5.43% |
| OLYMPIC AGENCY INC3 Filed as: OLYMPIC AGENCY | PMB 370 1353 CARR 19 GUAYNABO, PR 00966 | MCS LIFE INSURANCE COMPANY | $5K | — | $5K | 5.03% |
| DKG INSURANCE & FINANCIAL SERVICES3 Filed as: DKG INSURANCE & FINANCIAL SERV INC | 1133 WESTCHESTER AVE SUITE S-229 WHITE PLAINS, NY 10604 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $4K | $0 | $4K | 7.87% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FIN SERV | WESTCHESTER AVE SUITE 229 WHITE PLAINS, NY 10604 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $0 | $2K | $2K | 3.94% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD SUITE 308 HAUPPAUGE, NY 11788 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $606 | $227 | $833 | 18.32% |
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 | 131 | 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) | 131 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH & LIFE INSURANCE COMPANY AND AFFILIATES | 131 | $429K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 113 | $55K |
| Vision | CIGNA HEALTH & LIFE INSURANCE COMPANY AND AFFILIATES | 131 | $335K |
| Life insurance | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 118 | $5K |
| Prescription drug | CIGNA HEALTH & LIFE INSURANCE COMPANY AND AFFILIATES | 131 | $335K |
| Other | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 118 | $5K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 131 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.