| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RELIABLE BROKERAGE INC3 Filed as: RELIABLE BROKERAGE | 382 ROUTE 59 SUITE 292 MONSEY, NY 10952 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $130K | $130K | 4.47% |
| FNA INSURANCE SERVICES INC3 Filed as: FNA INS SERVICES INC | 300 CONNELL DRIVE SUITE 3000 BERKELEY HEIGHTS, NJ 07922 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $58K | $58K | 2.00% |
| RELIABLE BROKERAGE INC3 Filed as: RELIABLE BROKERAGE | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $2K | $2K | 0.07% |
| RELIABLE BROKERAGE INC3 Filed as: RELIABLE BROKERAGE | 382 ROUTE 59 SUITE 292 MONSEY, NY 10952 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $12K | $912 | $13K | 10.65% |
| FNA INSURANCE SERVICES INC3 Filed as: FNA INS SERVICES INC | 300 CONNELL DRIVE SUITE 3000 BERKELEY HEIGHTS, NJ 07922 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | — | $5K | $5K | 4.25% |
| RELIABLE BROKERAGE INC3 Filed as: RELIABLE BROKERAGE INC. | 382 ROUTE 59 SUITE 292 MONSEY, NY 10952 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 13.83% |
| FNA INSURANCE SERVICES INC3 Filed as: FNA INSURANCE SERVICES, INC | 1000 WOODBURY ROAD 4TH FLOOR SUITE 403 WOODBURY, NY 11797 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $353 | $268 | $621 | 4.62% |
| RELIABLE BROKERAGE INC3 Filed as: RELIABLE BROKERAGE INC. | 382 ROUTE 59 SUITE 292 MONSEY, NY 10952 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $671 | — | $671 | 13.84% |
| FNA INSURANCE SERVICES INC3 Filed as: FNA INSURANCE SERVICES, INC | 1000 WOODBURY ROAD 4TH FLOOR SUITE 403 WOODBURY, NY 11797 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $127 | $97 | $224 | 4.62% |
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 | 102 | 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) | 102 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 108 | $2.9M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 108 | $125K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 108 | $125K |
| Life insurance | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | 94 | $5K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 94 | $13K |
| Stop-loss / reinsurancereinsurance | NATIONWIDE LIFE INSURANCE COMPANY | 133 | $320K |
| Other | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | 94 | $5K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 133 | — |
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.
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.