| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SIGNATURE BENEFITS LLC3 Filed as: THE SIGNATURE GROUP, LLC | 501 FRANKLIN AVENUE SUITE 218 GARDEN CITY, NY 11530 | CIGNA LIFE AND HEALTH INSURANCE COMPANY | $82K | $0 | $82K | 8.91% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP SIGNATURE GROUP, LLC | 501 FRANKLIN AVENUE SUITE 218 GARDEN CITY, NY 11530 | CIGNA LIFE AND HEALTH INSURANCE COMPANY | $55K | $0 | $55K | 5.90% |
| EMERSON REID LLC3 Filed as: EMERSON REID & COMPANY | 669 RIVER DRIVE CENTER II SUITE 305 ELMWOOD PARK, NJ 07407 | CIGNA LIFE AND HEALTH INSURANCE COMPANY | $0 | $41K | $41K | 4.42% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES | 340 MADISON AVENUE 21ST FLOOR NEW YORK, NY 10173 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $14K | $20K | $35K | 16.14% |
| ACRISURE LLC3 | 5664 PRAIRIE CREEK DR SE CALEDONIA, MI 49316 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | $0 | $2K | 5.82% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | 340 MADISON AVE FL 21 NEW YORK, NY 10173 | UNITEDHEALTHCARE INSURANCE COMPANY | $1K | $0 | $1K | 4.14% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE NEW YORK | 1133 WESTCHESTER AVE STE S229 WHITE PLAINS, NY 10604 | UNITEDHEALTHCARE INSURANCE COMPANY | $998 | $0 | $998 | 2.91% |
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 | 335 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 5 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 345 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA LIFE AND HEALTH INSURANCE COMPANY | 745 | $926K |
| Dental | CIGNA LIFE AND HEALTH INSURANCE COMPANY | 745 | $926K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 330 | $34K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 335 | $215K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 335 | $215K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 335 | $215K |
| Prescription drug | CIGNA LIFE AND HEALTH INSURANCE COMPANY | 745 | $926K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 335 | $215K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 745 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.