| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: BWD AGENCY INC. | 45 EXECUTIVE DRIVE PLAINVIEW, NY 11803 | AETNA LIFE INSURANCE COMPANY | $38K | — | $38K | 4.02% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY), LLC | 340 MADISON AVENUE, 21TH FL. NEW YORK, NY 10173 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $3K | $509 | $3K | 4.72% |
| ASSUREDPARTNERS3 Filed as: BWD AGENCY INC. | 45 EXECUTIVE DRIVE PLAINVIEW, NY 11803 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $632 | $290 | $922 | 1.40% |
| ASSUREDPARTNERS3 Filed as: BWD AGENCY INC | 45 EXECUTIVE DRIVE PLAINVIEW, NY 11803 | HARTFORD LIFE AND ACCIDENT | $1K | — | $1K | 14.71% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES, LLC | 340 MADISON AVENUE, 21ST FL. NEW YORK, NY 10173 | HARTFORD LIFE AND ACCIDENT | $0 | $330 | $330 | 3.77% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY), LLC | 340 MADISON AVENUE, 21ST FL. NEW YORK, NY 10173 | CIGNA DENTAL HEALTH PLAN OF ARIZONA INC. | $36 | — | $36 | 3.82% |
| ASSUREDPARTNERS3 Filed as: BWD AGENCY INC. | 45 EXECUTIVE DRIVE PLAINVIEW, NY 11803 | CIGNA DENTAL HEALTH PLAN OF ARIZONA INC. | $11 | — | $11 | 1.17% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY), LLC | 340 MADISON AVENUE, 21ST FL. NEW YORK, NY 10173 | CIGNA DENTAL HEALTH OF NORTH CAROLINA, INC. | $31 | — | $31 | 3.84% |
| ASSUREDPARTNERS3 Filed as: BWD AGENCY INC. | 45 EXECUTIVE DRIVE PLAINVIEW, NY 11803 | CIGNA DENTAL HEALTH OF NORTH CAROLINA, INC. | $9 | — | $9 | 1.12% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY), LLC | 340 MADISON AVENUE, 21ST FL. NEW YORK, NY 10173 | CIGNA DENTAL HEALTH OF VIRGINIA, INC. | $31 | — | $31 | 3.84% |
| ASSUREDPARTNERS3 Filed as: BWD AGENCY INC. | 45 EXECUTIVE DRIVE PLAINVIEW, NY 11803 | CIGNA DENTAL HEALTH OF VIRGINIA, INC. | $9 | — | $9 | 1.12% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY), LLC | 340 MADISON AVENUE, 21ST FL. NEW YORK, NY 10173 | CIGNA DENTAL HEALTH OF CALIFORNIA, INC. | $26 | — | $26 | 3.86% |
| ASSUREDPARTNERS3 Filed as: BWD AGENCY INC. | 45 EXECUTIVE DRIVE PLAINVIEW, NY 11803 | CIGNA DENTAL HEALTH OF CALIFORNIA, INC. | $8 | — | $8 | 1.19% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY), LLC | 340 MADISON AVENUE, 21ST FL. NEW YORK, NY 10173 | CIGNA DENTAL HEALTH OF ILLINOIS, INC. | $5 | — | $5 | 3.70% |
| ASSUREDPARTNERS3 Filed as: BWD AGENCY INC. | 45 EXECUTIVE DRIVE PLAINVIEW, NY 11803 | CIGNA DENTAL HEALTH OF ILLINOIS, INC. | $2 | — | $2 | 1.48% |
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 | 216 | 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) | 216 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 216 | $942K |
| Dental(6 contracts, 6 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 166 | $69K |
| Vision | AETNA LIFE INSURANCE COMPANY | 216 | $942K |
| Life insurance(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 216 | $951K |
| Prescription drug | AETNA LIFE INSURANCE COMPANY | 216 | $942K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 216 | — |
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.