| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| USI INSURANCE SERVICES LLC3 | PO BOX 62939 VIRGINIA BEACH, VA 23466 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $0 | $1K | $1K | 1.03% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 2300 RENAISSANCE BOULEVARD KING OF PRUSSIA, PA 19406 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $0 | $789 | $789 | 0.58% |
| BRYAN LEE3 | 2664 DOROTHY STREET BELLMORE, NY 11710 | AFLAC | $5K | $965 | $6K | 21.30% |
| BETH MOSS3 Filed as: BETH J. MOSS | 2304 WESTLAKE COURT OCEANSIDE, NY 11572 | AFLAC | $2K | $482 | $3K | 9.68% |
| JACQUES P DAVID CORPORATION3 Filed as: JACQUES P. DAVID CORPORATION | 35 PINELAWN ROAD, SUITE 190 MELVILLE, NY 11747 | AFLAC | $1K | $241 | $1K | 4.39% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | PARK 80 WEST, PLAZA TWO 250 PEHLE AVENUE, SUITE 400 SADDLE BROOK, NJ 07663 | FIRST UNUM LIFE INSURANCE COMPANY | $3K | $0 | $3K | 15.97% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | PARK 80 WEST, PLAZA 2 250 PEHLE AVENUE, SUITE 400 SADDLE BROOK, NJ 07663 | COUNTRYWIDE PRE-PAID LEGAL SERVICES, INC | $475 | $0 | $475 | 20.02% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: WELLS FARGO INSURANCE | 261 MADISON AVENUE, 5TH FLOOR NEW YORK, NY 10016 | FOUR EVER LIFE INSURANCE COMPANY | $178 | $0 | $178 | 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 | 163 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 164 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 285 | $2.6M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 285 | $2.6M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 285 | $2.6M |
| Life insurance | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | 163 | $135K |
| Short-term disability | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | 163 | $135K |
| Long-term disability | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | 163 | $135K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 285 | $2.6M |
| Other(5 contracts, 5 carriers) | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | 163 | $190K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 285 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.