| 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 AND AFFILIATES | $0 | $7K | $7K | 3.65% |
| CORPORATE SYNERGIES GROUP LLC3 | 5000 DEARBORN CIRCLE STE 100 MT LAUREL, NJ 08054 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $5K | $0 | $5K | 2.62% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVENUE, 21ST FLOOR NEW YORK, NY 10173 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $4K | $0 | $4K | 1.94% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 340 MADISON AVE 21ST FLOOR NEW YORK, NY 10173 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $11K | $0 | $11K | 8.87% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 2 AQUARIUM DRIVE STE 200 CAMDEN, NJ 08103 | VISION SERVICE PLAN | $3K | $0 | $3K | 10.00% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | 340 MADISON AVENUE 21ST FLOOR NEW YORK, NY 10173 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $0 | $3K | 15.00% |
| ANTHONY CAVALLARO3 | 83 WICHARD BLVD COMMACK, NY 11725 | AFLAC | $213 | $0 | $213 | 8.53% |
| JACQUES P DAVID CORPORATION3 | 125 JERICHO TURNPIKE SUITE 201 JERICHO, NY 11753 | AFLAC | $38 | $0 | $38 | 1.52% |
| JACQUES P DAVID CORPORATION3 Filed as: JACQUES DAVID | 125 JERICHO TURNPIKE SUITE 201 JERICHO, NY 11753 | AFLAC | $11 | $0 | $11 | 0.44% |
| FRANK MORIZIO JUNIOR3 | 84 VIRGINIA AVENUE OCEANSIDE, NY 11572 | AFLAC | $5 | $0 | $5 | 0.20% |
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 | 306 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 306 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 207 | $187K |
| Vision | VISION SERVICE PLAN | 204 | $28K |
| Life insurance(2 contracts, 2 carriers) | CIGNA LIFE INSURANCE CO. OF NEW YORK | 306 | $144K |
| Short-term disability(2 contracts, 2 carriers) | CIGNA LIFE INSURANCE CO. OF NEW YORK | 306 | $144K |
| Long-term disability(2 contracts, 2 carriers) | CIGNA LIFE INSURANCE CO. OF NEW YORK | 306 | $144K |
| Other(3 contracts, 3 carriers) | CIGNA LIFE INSURANCE CO. OF NEW YORK | 306 | $146K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 306 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.