| 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 | $58K | — | $58K | 11.79% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC | 225 WIRELESS BOULEVARD 2ND FLOOR HAUPPAUGE, NY 11788 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $33K | $33K | 6.79% |
| MICHELE VALENZUELA3 | 641 DANBURY ROAD SUITE 1A RIDGEFIELD, CT 06877 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $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 AND AFFILIATES | — | $4K | $4K | 3.96% |
| MICHELE E MARTIN3 Filed as: MICHELE M VALENZUELA | 641 DANBURY ROAD #1A RIDGEFIELD, CT 06877 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $3K | — | $3K | 8.84% |
| MICHELE E MARTIN3 Filed as: MICHELE M. VALENZUELA | 641 DANBURY ROAD #1A RIDGEFIELD, CT 06877 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $2K | — | $2K | 10.54% |
| MICHELE E MARTIN3 Filed as: MICHELE M VALENZUELA | 641 DANBURY ROAD #1A RIDGEFIELD, CT 06877 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $3K | — | $3K | 14.77% |
| ROCO SOLUTIONS LLC3 | 52 SUSAN DRIVE NEWBURGH, NY 12550 | AFLAC | $452 | — | $452 | 3.35% |
| CHARLES A VALENZUELA3 | 641 DANBURY ROAD SUITE 1A RIDGEFIELD, CT 06877 | AFLAC | $415 | — | $415 | 3.08% |
| CHRISTOPER GURNEE3 | 34 SALK DRIVE HIGHLAND, NY 12528 | AFLAC | $302 | — | $302 | 2.24% |
| KOBER ASSOCIATES LLC3 | 14107 20TH AVENUE SUITE 507 WHITESTONE, NY 11357 | AFLAC | $173 | — | $173 | 1.28% |
| JOSEPH P CALARCO3 Filed as: JOSEPH PATRICK FOXLEY | 580 WHITE PLAINS ROAD SUITE 115 TARRYTOWN, NY 10591 | AFLAC | $129 | — | $129 | 0.96% |
| MICHELLE CONNORS3 | 106 LAUREL DRIVE NEW WINDSOR, NY 12553 | AFLAC | $78 | — | $78 | 0.58% |
| KATHLEEN BYRNE3 Filed as: KATHLEEN F PERRINE | 580 WHITE PLAINS ROAD SUITE 115 TARRYTOWN, NY 10591 | AFLAC | $63 | — | $63 | 0.47% |
| MCINERNEY GROUP LLC3 | 580 WHITE PLAINS ROAD SUITE 600 TARRYTOWN, NY 10591 | AFLAC | $63 | — | $63 | 0.47% |
| JASON HARTMAN3 | 225 DOLSON AVENUE SUITE 304 MIDDLETOWN, NY 10940 | AFLAC | $24 | — | $24 | 0.18% |
| RANDI E RIVA3 | 312 GALLERY LANE MOUNT BETHEL, PA 18343 | AFLAC | $21 | — | $21 | 0.16% |
| KEVIN MCCARTHY3 | 197 LANG DRIVE NORTH KINGSTOWN, RI 02852 | AFLAC | $21 | — | $21 | 0.16% |
| TOMAS E FLORES3 | 1265 15TH STREET APARTMENT 16G FORT LEE, NJ 07024 | AFLAC | $10 | — | $10 | 0.07% |
| MICHELE VALENZUELA3 | 641 DANBURY ROAD SUITE 1A RIDGEFIELD, CT 06877 | VISION SERVICE PLAN | $781 | — | $781 | 6.56% |
| MICHELE E MARTIN3 Filed as: MICHELE M. VALENZUELA | 641 DANBURY ROAD #1A RIDGEFIELD, CT 06877 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $1K | — | $1K | 15.00% |
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 | 104 | 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) | 104 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 118 | $113K |
| Vision | VISION SERVICE PLAN | 119 | $12K |
| Life insurance(2 contracts) | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 105 | $27K |
| Short-term disability | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 104 | $34K |
| Long-term disability | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 104 | $18K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 120 | $488K |
| Other(3 contracts, 2 carriers) | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 105 | $41K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 120 | — |
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.