| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE BUSINESS BENEFITS GROUP, INC.3 Filed as: BUSINESS PLANNING SYSTEMS,INC. | 19556 PLANTERS POINT DRIVE BOCA RATON, FL 33434 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES (CIGNA) | $166K | — | $166K | 12.41% |
| ALICARE, INC5 Filed as: ALICARE, INC. | 333 WESTCHESTER AVENUE, NORTH BLDG. WHITE PLAINS, NY 10604 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES (CIGNA) | $99K | — | $99K | 7.45% |
| THE BUSINESS BENEFITS GROUP, INC.3 Filed as: BUSINESS PLANNING SYSTEMS INC. | 19556 PLANTERS POINT DRIVE BOCA RATON, FL 33434 | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | $8K | — | $8K | 4.18% |
| THE BUSINESS BENEFITS GROUP, INC.3 Filed as: BUSINESS PLANNING SYSTEMS INC. | 19556 PLANTERS POINT DRIVE BOCA RATON, FL 33434 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $3K | — | $3K | 3.33% |
| THE BUSINESS BENEFITS GROUP, INC.3 Filed as: BUSINESS PLANNING SYSTEMS INC. | 19556 PLANTERS POINT DRIVE BOCA RATON, FL 33434 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $2K | — | $2K | 3.31% |
| THE BUSINESS BENEFITS GROUP, INC.3 Filed as: BUSINESS PLANNING SYSTEMS INC. | 19556 PLANTERS POINT DRIVE BOCA RATON, FL 33434 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $334 | — | $334 | 3.35% |
| ALICARE, INC5 Filed as: ALICARE | 333 WESTCHESTER AVE, NORTH BLDG. WHITE PLAINS, NY 10604 | AETNA HEALTH, INC. | $225 | — | $225 | 4.50% |
| BUISNESS PLANNING SYSTEM INC.3 | 19556 PLANTERS POINT DRIVE BOCA RATON, FL 33434 | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | $67 | — | $67 | 4.33% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| LIBERTY LIFE ASSURANCE CO. OF BOSTO EIN 04-6076039 CLAIM PROCESSING | Contract Administrator; Insurance services; Claims processing Service code 12 | — | $17K |
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 | 482 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 45 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 527 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES (CIGNA) | 721 | $1.3M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES (CIGNA) | 721 | $1.3M |
| Life insurance | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | 592 | $192K |
| Short-term disability(3 contracts) | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 401 | $69K |
| Long-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 381 | $92K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES (CIGNA) | 721 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 721 | — |
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.