| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVENUE 21ST FLOOR NEW YORK, NY 10173 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $228K | — | $228K | 3.33% |
| LENOX ADVISORS INC3 | 530 FIFTH AVE NEW YORK, NY 10036 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $3K | — | $3K | 0.04% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVENUE 21ST FLOOR NEW YORK, NY 10173 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $12K | $2K | $14K | 3.31% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC. | 225 WIRELESS BLVD 2ND FLOOR HAUPPAUGE, NY 11788 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 1.23% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVENUE 21ST FLOOR NEW YORK, NY 10173 | CIGNA LIFE INSURANCE CO OF NEW YORK | $12K | $3K | $15K | 15.24% |
| FIELDSTONE INSURANCE GROUP, LLC3 Filed as: FIELDSTONE INSURANCE GROUP | 218 ROUTE 17 N STE 404 ROCHELLE PARK, NJ 07662 | CIGNA LIFE INSURANCE CO OF NEW YORK | $1K | — | $1K | 1.11% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVENUE 21ST FLOOR NEW YORK, NY 10173 | CIGNA LIFE INSURANCE CO OF NEW YORK | $2K | $2K | $4K | 6.04% |
| FIELDSTONE INSURANCE GROUP, LLC3 Filed as: FIELDSTONE INSURANCE GROUP | 218 ROUTE 17 N STE 404 ROCHELLE PARK, NJ 07662 | CIGNA LIFE INSURANCE CO OF NEW YORK | $192 | — | $192 | 0.26% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVENUE 21ST FLOOR NEW YORK, NY 10173 | CIGNA LIFE INSURANCE CO OF NEW YORK | $378 | $456 | $834 | 6.04% |
| FIELDSTONE INSURANCE GROUP, LLC3 Filed as: FIELDSTONE INSURANCE GROUP | 218 ROUTE 17 N STE 404 ROCHELLE PARK, NJ 07662 | CIGNA LIFE INSURANCE CO OF NEW YORK | $36 | — | $36 | 0.26% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVENUE 21ST FLOOR NEW YORK, NY 10173 | CIGNA LIFE INSURANCE CO OF NEW YORK | $807 | — | $807 | 9.11% |
| FIELDSTONE INSURANCE GROUP, LLC3 Filed as: FIELDSTONE INSURANCE GROUP | 218 ROUTE 17 N STE 404 ROCHELLE PARK, NJ 07662 | CIGNA LIFE INSURANCE CO OF NEW YORK | $79 | — | $79 | 0.89% |
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 | 218 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 13 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 234 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 646 | $6.8M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 242 | $425K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 242 | $425K |
| Life insurance | CIGNA LIFE INSURANCE CO OF NEW YORK | 218 | $73K |
| Short-term disability | CIGNA LIFE INSURANCE CO OF NEW YORK | 218 | $9K |
| Long-term disability | CIGNA LIFE INSURANCE CO OF NEW YORK | 218 | $101K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 646 | $6.8M |
| Other | CIGNA LIFE INSURANCE CO OF NEW YORK | 218 | $14K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 646 | — |
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."
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.