| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HEALTHY BUSINESS GROUP LLC3 | 34 BAY STREET PO BOX 1346 SAG HARBOR, NY 11963 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | -$12 | -$12 | -0.00% |
| AMWINS3 | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | TRANSAMERICA LIFE INSURANCE CO. | $25K | — | $25K | 11.76% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NJ | 150 JOHN F. KENNEDY PAEKWAY SUITE 520 SHORT HILLS, NJ 07078 | TRANSAMERICA LIFE INSURANCE CO. | $6K | — | $6K | 2.98% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NY | 1500 BROADWAY 21ST FLOOR NEW YORK, NY 10036 | TRANSAMERICA LIFE INSURANCE CO. | $6K | — | $6K | 2.90% |
| AMWINS3 | 50 WHITECAP DRIVE NORTH KINGSTOWN, RI 02852 | ENVISION INSURANCE COMPANY | $9K | — | $9K | 5.43% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NJ | 150 JOHN F. KENNEDY PAEKWAY SUITE 520 SHORT HILLS, NJ 07078 | ENVISION INSURANCE COMPANY | $3K | — | $3K | 1.65% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NY | 1500 BROADWAY 21ST FLOOR NEW YORK, NY 10036 | ENVISION INSURANCE COMPANY | $3K | — | $3K | 1.61% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW JERSEY INC | — | AETNA LIFE INSURANCE CO. | $1K | — | $1K | 0.69% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK INC | — | AETNA LIFE INSURANCE CO. | $448 | — | $448 | 0.74% |
| ONEGROUP NY INC3 | 706 NORTH CLINTON STREET SYRACUSE, NY 13204 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | — | $6K | 19.59% |
| ONEGROUP NY INC3 | 706 NORTH CLINTON STREET SYRACUSE, NY 13204 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 17.25% |
| ONEGROUP NY INC3 | 706 NORTH CLINTON STREET SYRACUSE, NY 13204 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 13.75% |
| ONEGROUP NY INC3 | 706 NORTH CLINTON STREET SYRACUSE, NY 13204 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $392 | — | $392 | 17.78% |
| ONEGROUP NY INC3 | 706 NORTH CLINTON STREET SYRACUSE, NY 13204 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $125 | — | $125 | 20.00% |
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 | 423 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 433 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 95 | $2.5M |
| Dental(2 contracts) | AETNA LIFE INSURANCE CO. | 322 | $208K |
| Vision(2 contracts) | AETNA LIFE INSURANCE CO. | 322 | $208K |
| Life insurance(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 423 | $47K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 423 | $26K |
| Prescription drug | ENVISION INSURANCE COMPANY | 64 | $160K |
| Other(3 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 423 | $33K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 423 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.