| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NORTHEAST, LLC | 123 MAIN STREET 14TH FLOOR WHITE PLAINS, NY 10601 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $16 | $2K | 6.61% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP INC | 2 AQUARIUM DR STE 200, FERRY TERMINAL BUILDING CAMDEN, NJ 08103 | METROPOLITAN LIFE INSURANCE COMPANY | $1 | — | $1 | 0.00% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NORTHEAST, LLC | 123 MAIN STREET 14TH FLOOR WHITE PLAINS, NY 10601 | ARAG INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| UNITED HEALTHCARE SERVICES, LLC EIN 47-0854646 CLAIMS PROCESSOR | Claims processing; Other services Service code 12 | — | $424K |
| ASSUREDPARTNERS NORTHEAST LLC EIN 45-3443572 BROKER | Other commissions Service code 55 | — | $220K |
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 DENTAL ADMIN FEES | Claims processing; Contract Administrator Service code 12 | — | $25K |
| CORPORATE SYNERGIES GROUP LLC EIN 20-1622581 BROKER | Other commissions Service code 55 | — | -$99 |
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 | 392 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 14 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 407 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 191 | $51K |
| Life insurance | CIGNA LIFE INSURANCE CO. OF NEW YORK | 392 | $94K |
| Short-term disability | CIGNA LIFE INSURANCE CO. OF NEW YORK | 390 | $40K |
| Long-term disability | CIGNA LIFE INSURANCE CO. OF NEW YORK | 390 | $80K |
| Other(6 contracts, 3 carriers) | CIGNA LIFE INSURANCE CO. OF NEW YORK | 392 | $179K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 392 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.