| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MICHELE E MARTIN3 Filed as: MICHELE M VALENZUELA | 641 DANBURY ROAD SUITE 1A RIDGEFIELD, CT 06877 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $54K | — | $54K | 15.28% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC | 225 WIRELESS BOULEVARD 2ND FLOOR HAUPPAUGE, NY 11788 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $31K | $31K | 8.81% |
| MICHELE VALENZUELA3 | 641 DANBURY ROAD SUITE 1A RIDGEFIELD, CT 06877 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $8K | — | $8K | 6.94% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC | 225 WIRELESS BOULEVARD 2ND FLOOR HAUPPAUGE, NY 11788 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $5K | $5K | 3.96% |
| MICHELE E MARTIN3 Filed as: MICHELE M VALENZUELA | 641 DANBURY ROAD SUITE #1A RIDGEFIELD, CT 06877 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $2K | — | $2K | 7.00% |
| MICHELE E MARTIN3 Filed as: MICHELE M. VALENZUELA | 641 DANBURY ROAD SUITE 1A RIDGEFIELD, CT 06877 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $2K | — | $2K | 9.69% |
| MICHELE E MARTIN3 Filed as: MICHELE M VALENZUELA | 641 DANBURY ROAD #1A RIDGEFIELD, CT 06877 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $2K | — | $2K | 14.35% |
| ROCO SOLUTIONS LLC3 | 52 SUSUAN DRIVE NEWBURGH, NY 12550 | AFLAC | $492 | — | $492 | 3.53% |
| CHRISTOPHER GURNEE3 | 34 SALK DRIVE HIGHLAND, NY 12528 | AFLAC | $328 | — | $328 | 2.35% |
| CHARLES A VALENZUELA3 | 641 DANBURY ROAD SUITE 1A RIDGEFIELD, CT 06877 | AFLAC | $320 | — | $320 | 2.30% |
| KOBER ASSOCIATES LLC3 | 214-25 42ND AVENUE 4TH FLOOR BAYSIDE, NY 11361 | AFLAC | $188 | — | $188 | 1.35% |
| MICHELLE CONNORS3 | 602 KAYLA COURT NEWBURGH, NY 12550 | AFLAC | $83 | — | $83 | 0.60% |
| MCINERNEY GROUP LLC3 | 580 WHITE PLAINS ROAD SUITE 600 TARRYTOWN, NY 10591 | AFLAC | $56 | — | $56 | 0.40% |
| RANDIE RIVA3 | 312 GALLERY LANE MOUNT BETHEL, PA 18343 | AFLAC | $22 | — | $22 | 0.16% |
| MCINERNEY GROUP LLC3 | 580 WHITE PLAINS ROAD TARRYTOWN, NY 10591 | AFLAC | $12 | — | $12 | 0.09% |
| MICHELE VALENZUELA3 | 641 DANBURY ROAD SUITE 1A RIDGEFIELD, CT 06877 | VISION SERVICE PLAN | $797 | — | $797 | 7.04% |
| MICHELE E MARTIN3 Filed as: MICHELE M. VALENZUELA | 641 DANBURY ROAD SUITE 1A RIDGEFIELD, CT 06877 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $889 | — | $889 | 15.01% |
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 | 135 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 135 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 135 | $122K |
| Vision | VISION SERVICE PLAN | 112 | $11K |
| Life insurance(2 contracts) | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 125 | $23K |
| Short-term disability | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 124 | $30K |
| Long-term disability | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 124 | $15K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 111 | $355K |
| Other(3 contracts, 2 carriers) | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 125 | $37K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 135 | — |
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.