| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHANDOR INSURANCE AGENCY LLC3 | 177 MILK STREET 3RD FLOOR BOSTON, MA 02109 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $31K | $7K | $38K | 12.10% |
| CHANDOR INSURANCE AGENCY LLC3 | 177 MILK STREET 3RD FLOOR BOSTON, MA 02109 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $21K | $4K | $25K | 12.07% |
| CHANDOR INSURANCE AGENCY LLC3 Filed as: CHANDOR INSURANCE AGENCY, LLC | 177 MILK STREET, 3RD FLOOR BOSTON, MA 02109 | VISION SERVICE PLAN | $4K | — | $4K | 3.00% |
| CHANDOR INSURANCE AGENCY LLC3 | 177 MILK STREET, 3RD FLOOR BOSTON, MA 02109 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $2K | — | $2K | 4.68% |
| CHANDOR INSURANCE AGENCY LLC3 | 177 MILK STREET, 3RD FLOOR BOSTON, MA 02109 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $2K | $599 | $3K | 12.64% |
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 | 995 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 53 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,048 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | KAISER FOUNDATION HEALTH PLAN INC | 42 | $282K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,811 | $49K |
| Vision | VISION SERVICE PLAN | 755 | $128K |
| Life insurance | CIGNA LIFE INSURANCE CO. OF NEW YORK | 995 | $311K |
| Long-term disability | CIGNA LIFE INSURANCE CO. OF NEW YORK | 995 | $208K |
| Other(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,811 | $71K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,811 | — |
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.