| 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 | $319K | $8K | $327K | 20.89% |
| ASSUREDPARTNERS3 Filed as: BWD AGENCY, INC. | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $38K | — | $38K | 2.44% |
| ASSUREDPARTNERS3 Filed as: BWD AGENCY, INC. | 45 EXECUTIVE DRIVE PLAINVIEW, NY 11803 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $16K | $5K | $21K | 6.51% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES, LLC | 340 MADISON AVENUE 21ST FLOOR- ATTN ACCOUNTING NEW YORK, NY 101730401 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $12 | $8K | 2.92% |
| ASSUREDPARTNERS3 Filed as: BWD AGENCY, INC. | — | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $2K | $6K | 2.22% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES-NY, LLC | 340 MADISON AVENUE 21ST FLOOR - ATTN ACCOUNTING NEW YORK, NY 101730401 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $3K | $3K | 1.17% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES, INC. | 1250 SOUTH CAPITAL OF TEXAS HIGHWAY BUILDING 2, SUITE 125 AUSTIN, TX 787466446 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 0.95% |
| ASSUREDPARTNERS3 Filed as: BWD AGENCY INCORPORATED | 45 EXECUTIVE DRIVE PLAINVIEW, NY 11803 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $16K | $16K | 8.62% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP PROPERTY AND CASUALTY SERVICES | — | FEDERAL INSURANCE COMPANY | $16K | — | $16K | 15.00% |
| ASSUREDPARTNERS3 Filed as: BWD AGENCY, INC. | 45 EXECUTIVE DRIVE PLAINVIEW, NY 11803 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $8K | $2K | $10K | 10.20% |
| ASSUREDPARTNERS3 Filed as: BWD AGENCY, INC. | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | — | $0 | 0.00% |
| ASSUREDPARTNERS3 Filed as: BWD AGENCY, INC. | 45 EXECUTIVE DRIVE PLAINVIEW, NY 11803 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $2K | $469 | $3K | 10.12% |
| ASSUREDPARTNERS3 Filed as: BWD AGENCY, INC. | — | HYATT LEGAL PLANS | $3K | — | $3K | 10.12% |
| ASSUREDPARTNERS3 Filed as: BWD AGENCY, INC. | — | HYATT LEGAL PLANS | — | $564 | $564 | 2.01% |
| ASSUREDPARTNERS3 Filed as: BWD GROUP | — | HYATT LEGAL PLANS | — | $38 | $38 | 0.14% |
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 | 1,024 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 18 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 1,044 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,865 | $1.7M |
| Dental(2 contracts) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 180 | $217K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 11 | $182K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,023 | $290K |
| Short-term disability(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 652 | $127K |
| Long-term disability | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | 1,024 | $330K |
| Prescription drug(2 contracts) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,865 | $1.7M |
| Other(5 contracts, 4 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,024 | $356K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,865 | — |
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.