| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: BWD AGENCY INC. | 45 EXECUTIVE DR PLAINVIEW, NY 11803 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $152K | $8K | $160K | 13.91% |
| MCGOVERN, EAMON3 | 148 JUNIPER ROAD KINGS PARK, NY 11754 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | -$30 | $0 | -$30 | -0.00% |
| ASSUREDPARTNERS3 Filed as: BWD AGENCY INC. | 45 EXECUTIVE DR PLAINVIEW, NY 11803 | VISION SERVICE PLAN | $4K | $0 | $4K | 3.52% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 GOLF RD STE 1000 ROLLING MEADOWS, IL 600084036 | VISION SERVICE PLAN | $1K | $0 | $1K | 1.24% |
| ASSUREDPARTNERS3 Filed as: BWD AGENCY INC | 45 EXECUTIVE DR PLAINVIEW, NY 11803 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $5K | $0 | $5K | 6.20% |
| 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 | $77 | $0 | $77 | 0.10% |
| ASSUREDPARTNERS3 Filed as: BWD AGENCY INC | 45 EXECUTIVE DR PLAINVIEW, NY 11803 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $4K | $0 | $4K | 13.52% |
| 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 | $433 | $0 | $433 | 1.48% |
| ASSUREDPARTNERS3 Filed as: BWD AGENCY INC | 45 EXECUTIVE DR PLAINVIEW, NY 11803 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $3K | $0 | $3K | 9.01% |
| 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 | $280 | $0 | $280 | 0.99% |
| ASSUREDPARTNERS3 Filed as: BWD AGENCY INC | 45 EXECUTIVE DR PLAINVIEW, NY 11803 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $850 | $0 | $850 | 8.83% |
| 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 | $112 | $0 | $112 | 1.16% |
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 | 1,891 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 14 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 71 | Vested but not currently using benefits. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 1,976 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 2,141 | $1.1M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 2,141 | $1.1M |
| Vision | VISION SERVICE PLAN | 1,401 | $102K |
| Life insurance(2 contracts) | CIGNA LIFE INSURANCE CO. OF NEW YORK | 1,891 | $57K |
| Short-term disability | CIGNA LIFE INSURANCE CO. OF NEW YORK | 1,450 | $442K |
| Long-term disability | CIGNA LIFE INSURANCE CO. OF NEW YORK | 1,891 | $75K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 2,141 | $1.1M |
| Other(3 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 2,141 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,141 | — |
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.