| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MANNING & NAPIER BENEFITS LLC3 Filed as: MANNING & NAPIER BENEFITS | 295 WOODCLIFF DRIVE 2ND FL FAIRPORT, NY 14450 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $2K | $25K | $28K | 4.67% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE | 2 PIERCE PL 14TH FL ITASCA, IL 60143 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $8K | — | $8K | 1.29% |
| MANNING & NAPIER BENEFITS LLC3 Filed as: MANNING & NAPIER BENEFITS | 295 WOODCLIFF DRIVE 2ND FL FAIRPORT, NY 14450 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $7K | $13K | $20K | 5.54% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE | 2 PIERCE PL 14TH FL ITASCA, IL 60143 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $16K | — | $16K | 4.38% |
| MANNING & NAPIER BENEFITS LLC3 Filed as: MANNING & NAPIER BENEFITS | 295 WOODCLIFF DRIVE 2ND FL FAIRPORT, NY 14450 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $9K | $13K | $23K | 6.34% |
| GALLAGHER BENEFIT SERVICES, INC.4 Filed as: GALLAGHER BENEFIT SERVICE | 2 PIERCE PL 14TH FL ITASCA, IL 60143 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $18K | — | $18K | 4.90% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 501 FELLOWSHIP RD STE 201 MT LAUREL, NJ 08054 | AETNA LIFE INSURANCE CO. | $9K | — | $9K | 4.83% |
| MANNING & NAPIER BENEFITS LLC3 | 290 WOODCLIFF DRIVE FAIRPORT, NY 14450 | AETNA LIFE INSURANCE CO. | $7K | — | $7K | 4.05% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE | 2 PIERCE PL 14TH FL ITASCA, IL 60143 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $3K | — | $3K | 7.67% |
| MANNING & NAPIER BENEFITS LLC3 Filed as: MANNING & NAPIER BENEFITS | 295 WOODCLIFF DRIVE 2ND FL FAIRPORT, NY 14450 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $1K | $1K | $3K | 6.66% |
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 | 4,052 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 14 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 4,066 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EXCELLUS BCBS | 57 | $635K |
| Vision | AETNA LIFE INSURANCE CO. | 1,249 | $180K |
| Life insurance | CIGNA LIFE INSURANCE CO. OF NEW YORK | 4,052 | $366K |
| Short-term disability | CIGNA LIFE INSURANCE CO. OF NEW YORK | 3,660 | $360K |
| Long-term disability | CIGNA LIFE INSURANCE CO. OF NEW YORK | 3,412 | $593K |
| Prescription drug | EXCELLUS BCBS | 57 | $635K |
| Other | CIGNA LIFE INSURANCE CO. OF NEW YORK | 4,052 | $42K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,052 | — |
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.