| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: BWD AGENCY, INC. | 45 EXECUTIVE DRIVE PLAINVIEW, NY 11803 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $227K | $7K | $234K | 18.44% |
| ASSUREDPARTNERS3 Filed as: BWD AGENCY, INC. | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $33K | — | $33K | 2.61% |
| ASSUREDPARTNERS3 Filed as: BWD AGENCY, INC. | 45 EXECUTIVE DRIVE PLAINVIEW, NY 11803 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $14K | $5K | $19K | 6.81% |
| ASSUREDPARTNERS3 Filed as: BWD AGENCY, INC. | — | METROPOLITAN LIFE INSURANCE COMPANY | $14K | $5K | $19K | 7.46% |
| NFO UBSYRABCE SERVICES INC3 Filed as: NFO INS SERVICES, INC. | 1250 S. CAPITAL OF TEXAS HWY BUILDING 2 - SUITE 125 AUSTIN, TX 787466446 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 0.81% |
| ASSUREDPARTNERS3 Filed as: BWD AGENCY INCORPORATED | 45 EXECUTIVE DRIVE PLAINVIEW, NY 11803 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $11K | $11K | 7.27% |
| ASSUREDPARTNERS3 Filed as: BWD GROUP, LLC | — | FEDERAL INSURANCE COMPANY | $14K | — | $14K | 15.00% |
| ASSUREDPARTNERS3 Filed as: BWD AGENCY, INC. | 45 EXECUTIVE DRIVE PLAINVIEW, NY 11803 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | $2K | $10K | 10.31% |
| ASSUREDPARTNERS3 Filed as: BWD AGENCY, INC. | 45 EXECUTIVE DRIVE PLAINVIEW, NY 11803 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $2K | $510 | $3K | 10.43% |
| ASSUREDPARTNERS3 Filed as: BWD AGENCY | — | HYATT LEGAL PLANS | $2K | — | $2K | 10.95% |
| ASSUREDPARTNERS3 Filed as: BWD AGENCY | — | HYATT LEGAL PLANS | — | $481 | $481 | 2.15% |
| ASSUREDPARTNERS3 Filed as: BWD AGENCY | — | HYATT LEGAL PLANS | — | $10 | $10 | 0.04% |
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 | 910 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 18 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 928 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,657 | $1.4M |
| Dental(2 contracts) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 187 | $181K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 7 | $154K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 910 | $257K |
| Short-term disability(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 603 | $119K |
| Long-term disability | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | 910 | $282K |
| Prescription drug(2 contracts) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,657 | $1.4M |
| Other(4 contracts, 4 carriers) | FEDERAL INSURANCE COMPANY | 910 | $147K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,657 | — |
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.