| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $16K | $16K | 2.97% |
| ACBI, INC.3 Filed as: ACBI, INC, A MAINE CORPORATION | PO BOX 1388 BANGOR, ME 04402 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $5K | $5K | 0.94% |
| JEFFREY D TORELLO3 | 14 BUSINESS DR NO 8 BRANFORD, CT 06405 | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | $0 | $11K | $11K | 6.82% |
| ACBI, INC.3 Filed as: ACBI INC | 2 CORPORATE DR STE 335 SHELTON, CT 06484 | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | $2K | — | $2K | 1.03% |
| PROCYON BENEFITS, LLC3 | ONE CORPORATE DRIVE SUITE 225 SHELTON, CT 06484 | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | $1K | — | $1K | 0.65% |
| JEFFREY D TORELLO3 | 14 BUSINESS DR NO 8 BRANFORD, CT 06405 | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | $0 | $3K | $3K | 5.97% |
| PROCYON BENEFITS, LLC3 | ONE CORPORATE DRIVE SUITE 225 SHELTON, CT 06484 | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | $2K | — | $2K | 4.54% |
| ACBI, INC.3 Filed as: ACBI INC | 2 CORPORATE DR STE 335 SHELTON, CT 06484 | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | $2K | — | $2K | 4.15% |
| JEFFREY D TORELLO3 | 14 BUSINESS DR NO 8 BRANFORD, CT 06405 | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | $0 | $2K | $2K | 6.81% |
| ACBI, INC.3 Filed as: ACBI INC | 2 CORPORATE DR STE 335 SHELTON, CT 06484 | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | $228 | — | $228 | 0.67% |
| PROCYON BENEFITS, LLC3 | ONE CORPORATE DRIVE SUITE 225 SHELTON, CT 06484 | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | $214 | — | $214 | 0.63% |
| JEFFREY D TORELLO3 | 14 BUSINESS DR NO 8 BRANFORD, CT 06405 | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | $0 | $1K | $1K | 5.95% |
| PROCYON BENEFITS, LLC3 | ONE CORPORATE DRIVE SUITE 225 SHELTON, CT 06484 | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | $759 | — | $759 | 3.95% |
| ACBI, INC.3 Filed as: ACBI INC | 2 CORPORATE DR STE 335 SHELTON, CT 06484 | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | $722 | — | $722 | 3.75% |
| ACBI, INC.3 Filed as: ACBI INC | 2 CORPORATE DR STE 335 SHELTON, CT 06484 | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | $2K | — | $2K | 55.65% |
| ACBI, INC.3 Filed as: ACBI INC | 2 CORPORATE DR STE 335 SHELTON, CT 06484 | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | $364 | — | $364 | 9.04% |
| JEFFREY D TORELLO3 | 14 BUSINESS DR NO 8 BRANFORD, CT 06405 | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | $0 | $303 | $303 | 7.52% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE EIN 59-1031071 CLAIMS PROCESSING | Insurance services; Claims processing Service code 12 | — | $24K |
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 | 161 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 162 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | 157 | $168K |
| Vision | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | 312 | $34K |
| Life insurance | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | 156 | $19K |
| Long-term disability | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | 156 | $45K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 201 | $528K |
| Other | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | 85 | $4K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 312 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.