| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MANNING & NAPIER BENEFITS LLC3 Filed as: MANNING & NAPIER BENEFITS | 295 WOODCLIFF DRIVE 2ND FLOOR FAIRPORT, NY 14450 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $22K | — | $22K | 2.85% |
| MANNING & NAPIER BENEFITS LLC3 Filed as: MANNING & NAPIER BENEFITS | 295 WOODCLIFF DRIVE 2ND FLOOR FAIRPORT, NY 14450 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $9K | — | $9K | 1.35% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL | C/O NORTHERN TRUST BANK 75 REMITTANCE DRIVE, SUITE 1446 CHICAGO, ID 60675 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $2K | — | $2K | 0.27% |
| MANNING & NAPIER BENEFITS LLC3 Filed as: MANNING & NAPIER BENEFITS | 295 WOODCLIFF DRIVE 2ND FLOOR FAIRPORT, NY 14450 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $18K | — | $18K | 4.60% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL | C/O NORTHERN TRUST BANK 75 REMITTANCE DRIVE, SUITE 1446 CHICAGO, IL 60675 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $7K | — | $7K | 1.69% |
| MANNING & NAPIER BENEFITS LLC3 | 290 WOODCLIFF DRIVE FAIRPORT, NY 14450 | AETNA LIFE INSURANCE CO. | $11K | — | $11K | 5.68% |
| MANNING & NAPIER BENEFITS LLC3 Filed as: MANNING & NAPIER BENEFITS | 295 WOODCLIFF DRIVE 2ND FLOOR FAIRPORT, NY 14450 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $4K | — | $4K | 8.00% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL | C/O NOTHERN TRUST BANK 75 REMITTANCE DRIVE, SUITE 1446 CHICAGO, IL 60675 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $1K | — | $1K | 2.89% |
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 | 5,084 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 14 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 5,098 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EXCELLUS BCBS | 35 | $421K |
| Vision | AETNA LIFE INSURANCE CO. | 1,566 | $199K |
| Life insurance | CIGNA LIFE INSURANCE CO. OF NEW YORK | 4,324 | $386K |
| Short-term disability | CIGNA LIFE INSURANCE CO. OF NEW YORK | 5,084 | $774K |
| Long-term disability | CIGNA LIFE INSURANCE CO. OF NEW YORK | 3,527 | $647K |
| Prescription drug | EXCELLUS BCBS | 35 | $421K |
| Other | CIGNA LIFE INSURANCE CO. OF NEW YORK | 4,324 | $45K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 5,084 | — |
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."
No prospect flags tripped on this filing.