| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CHARON PLANNING CORPORATION3 Filed as: CHARON PLANNING | 2600 KELLY ROAD SUITE 300 WARRINGTON, PA 18976 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $40K | $7K | $47K | 14.04% |
| CHARON PLANNING CORPORATION3 Filed as: CHARON PLANNING | 2600 KELLY ROAD SUITE 300 WARRINGTON, PA 18976 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $12K | $3K | $16K | 8.93% |
| CHARON PLANNING CORPORATION3 Filed as: CHARON PLANNING | 2600 KELLY ROAD SUITE 300 WARRINGTON, PA 18976 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $2K | $684 | $3K | 9.02% |
| CHARON PLANNING CORPORATION3 Filed as: CHARON PLANNING | 2600 KELLY ROAD STE 300 WARRINGTON, PA 18976 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $4K | $627 | $4K | 13.96% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: ARTHUR J GALLAGHER | 127 N WALNUT ST ITASCA, IL 60143 | NATIONAL UNION FIRE INSURANCE COMPANY OF PITTSBURGH PA | $0 | — | $0 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| DELTA DENTAL OF NEW YORK EIN 11-1980218 SELF-FUNDED DENTAL | Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator; Claims processing Service code 12 | — | $42K |
| EXCELLUS BLUE CROSS BLUE SHIELD EIN 15-0329043 SELF-FUNDED MEDICAL | Claims processing; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $0 |
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 | 992 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 992 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | 1,654 | $332K |
| Short-term disability | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | 311 | $34K |
| Long-term disability | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | 886 | $177K |
| Other(3 contracts, 2 carriers) | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | 1,654 | $367K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,654 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.