| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NORTHEAST LLC | 123 MAIN STREET 14TH FLOOR WHITE PLAINS, NY 10601 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $64K | $0 | $64K | 4.00% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC. | 225 WIRELESS BLVD. 2ND FLOOR HAUPPAUGE, NY 11788 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $32K | $0 | $32K | 2.00% |
| ASSUREDPARTNERS3 Filed as: ASSURED SKCG, INC. | 123 MAIN STREET WHITE PLAINS, NY 10601 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $11K | $0 | $11K | 8.95% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC. | 225 WIRELESS BLVD. SUITE 200 HAUPPAUGE, NY 11788 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $5K | $5K | 3.97% |
| ASSUREDPARTNERS3 Filed as: ASSURED SKCG, INC. | 123 MAIN STREET WHITE PLAINS, NY 10601 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $3K | $1K | $4K | 18.30% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC. | 225 WIRELESS BLVD. SUITE 200 HAUPPAUGE, NY 11788 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $0 | $1K | $1K | 5.00% |
| MICHAEL WELLING3 | C/O MERIDIAN RISK MGMT. PO BOX 8419 PELHAM, NY 10803 | AFLAC | $1K | $0 | $1K | 6.21% |
| ROCO SOLUTIONS LLC3 | 52 SUSAN DRIVE NEWBURGH, NY 12550 | AFLAC | $456 | $0 | $456 | 2.72% |
| MCINERNEY GROUP LLC3 | 580 WHITE PLAINS ROAD SUITE 600 TARRYTOWN, NY 10591 | AFLAC | $109 | $0 | $109 | 0.65% |
| KEVIN MCCARTHY3 | 197 LANG DRIVE NORTH KINGSTON, RI 02852 | AFLAC | $96 | $0 | $96 | 0.57% |
| JASON SCZEPANIAK3 Filed as: JASON HARTMAN | 225 DOLSON AVENUE SUITE 304 MIDDLETOWN, NY 10940 | AFLAC | $79 | $6 | $85 | 0.51% |
| SANDRA ELLEN ALBANESE3 | 20 ARLINGTON RD SCARSDALE, NY 10583 | AFLAC | $79 | $0 | $79 | 0.47% |
| KOBER ASSOCIATES LLC3 | 14107 20TH AVENUE SUITE 507 WHITESTONE, NY 11357 | AFLAC | $77 | $0 | $77 | 0.46% |
| PAUL S MANNA JR3 Filed as: PAUL S. MANNA, JR. | 201 WASHINGTON AVENUE PLEASANTVILLE, NY 10570 | AFLAC | $47 | $0 | $47 | 0.28% |
| JOSEPH A COLOMBO III3 | 45 CLINTONWOOD DRIVE NEW WINDSOR, NY 12553 | AFLAC | $10 | $30 | $40 | 0.24% |
| JOSEPH P CALARCO3 Filed as: JOSEPH PATRICK FOXLEY | 580 WHITE PLAINS ROAD SUITE 115 TARRYTOWN, NY 10591 | AFLAC | $18 | $6 | $24 | 0.14% |
| JOSEPH A COLOMBO III3 | 34 DUNCAN AVENUE CORNWALL-ON-HUDSON, NY 12520 | AFLAC | $21 | $0 | $21 | 0.13% |
| MELISA SCHOFIELD3 | 932 EAST VOLK LANE MIDDLETOWN, CT 06457 | AFLAC | $10 | $0 | $10 | 0.06% |
| MELISSA A SCHOFIELD3 Filed as: MELISSA SCHOFIELD | 34 WATCH HILL DRIVE MIDDLETOWN, CT 06457 | AFLAC | $10 | $0 | $10 | 0.06% |
| TOMAS E FLORES3 Filed as: TOMAS A FLORES | 1265 15TH STREET APT 16G FORT LEE, NJ 07024 | AFLAC | $6 | $0 | $6 | 0.04% |
| WENDY CALIENDO3 Filed as: WENDY M CALIENDO | 1036 MAGGIE ROAD NEWBURGH, NY 12550 | AFLAC | $4 | $0 | $4 | 0.02% |
| ASSUREDPARTNERS3 Filed as: ASSURED SKCG, INC. | 123 MAIN STREET 14TH FLOOR WHITE PLAINS, NY 10601 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $867 | $600 | $1K | 16.92% |
| NMP PLANNING CO. INC3 Filed as: NMP PLANNING CO., INC. | 11835 QUEENS BLVD. SUITE 1230 FOREST HILLS, NY 11375 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $9 | $0 | $9 | 0.10% |
| AUSTIN & CO INC3 Filed as: AUSTIN & CO., INC. | 20 CORPORATE WOODS BLVD. ALBANY, NY 12211 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $826 | $495 | $1K | 17.15% |
| ASSUREDPARTNERS3 Filed as: ASSURED SKCG, INC. | 123 MAIN STREET 14TH FLOOR WHITE PLAINS, NY 10601 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $480 | $0 | $480 | 6.23% |
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 | 142 | 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) | 143 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 147 | $1.6M |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 129 | $136K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 81 | $9K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 210 | $8K |
| Long-term disability | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | 111 | $23K |
| Other | AFLAC | 21 | $17K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 210 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.