| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD ROLLING MEADOWS, IL 60008 | AETNA LIFE INSURANCE COMPANY | $132K | $1K | $134K | 3.65% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | PO BOX 203508 DALLAS, TX 75320 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $6K | $0 | $6K | 5.64% |
| AMWINS5 | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | TRANSAMERICA INSURANCE COMPANY | $5K | $0 | $5K | 7.69% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE ITASCA, IL 60143 | TRANSAMERICA INSURANCE COMPANY | $1K | $0 | $1K | 2.20% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | PO BOX 203508 DALLAS, TX 75320 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $5K | $0 | $5K | 7.38% |
| USI INSURANCE SERVICES LLC3 Filed as: USI SOUTHWEST, INC. | PO BOX 203508 DALLAS, TX 75320 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $1K | $0 | $1K | 4.83% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, SUITE 1000 ROLLING MEADOWS, IL 60008 | VISION SERVICE PLAN | $1K | $0 | $1K | 5.49% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 150 EAST 42ND STREET, 16TH FLOOR NEW YORK, NY 10017 | SHELTERPOINT LIFE INSURANCE COMPANY | $2K | $0 | $2K | 17.40% |
| REUBEN WARNER ASSOCIATES, INC.3 | 1655 RICHMOND AVENUE STATEN ISLAND, NY 10314 | SHELTERPOINT LIFE INSURANCE COMPANY | $0 | $801 | $801 | 7.96% |
| MMG AGENCY INC.3 Filed as: MMG AGENCY, INC. | 1145 FORREST AVENUE STATEN ISLAND, NY 10310 | AXIS INSURANCE COMPANY | $488 | $0 | $488 | 14.99% |
| FRENKEL BENEFITS LLC3 Filed as: FRENKEL BENEFITS, LLC | 601 PLAZA THREE, 6TH FLOOR HARBORSIDE FINANCIAL CENTER JERSEY CITY, NJ 07311 | AXIS INSURANCE COMPANY | $488 | $0 | $488 | 14.99% |
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 | 227 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 33 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 1 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 261 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 360 | $3.7M |
| Dental | AETNA LIFE INSURANCE COMPANY | 360 | $3.7M |
| Vision | VISION SERVICE PLAN | 161 | $20K |
| Life insurance(2 contracts) | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | 210 | $122K |
| Short-term disability | SHELTERPOINT LIFE INSURANCE COMPANY | 204 | $10K |
| Long-term disability | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | 182 | $63K |
| Prescription drug | AETNA LIFE INSURANCE COMPANY | 360 | $3.7M |
| Other(2 contracts, 2 carriers) | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | 227 | $101K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 360 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.