| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: BWD AGENCY, INC. | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $14K | — | $14K | 10.68% |
| ASSUREDPARTNERS3 Filed as: BWD AGENCY, INC. | 45 EXECUTIVE DRIVE PLAINVIEW, NY 11803 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $2K | — | $2K | 1.28% |
| ASSUREDPARTNERS3 Filed as: BWD AGENCY, INC. | 45 EXECUTIVE DRIVE PLAINVIEW, NY 118031737 | METROPOLITAN LIFE INSURANCE COMPANY | $347 | $149 | $496 | 7.20% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INS SERVICES, INC. | 1250 S. CAPITAL OF TEXAS HIGHWAY BUILDING 2, SUITE 125 AUSTIN, TX 787466446 | METROPOLITAN LIFE INSURANCE COMPANY | $58 | — | $58 | 0.84% |
| ASSUREDPARTNERS3 Filed as: BWD AGENCY, INC. | 45 EXECUTIVE DRIVE PLAINVIEW, NY 11803 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $156 | $48 | $204 | 6.54% |
| ASSUREDPARTNERS3 Filed as: BWD GROUP, LLC | 45 EXECUTIVE DRIVE PLAINVIEW, NY 118031737 | FEDERAL INSURANCE COMPANY | $181 | — | $181 | 14.97% |
| ASSUREDPARTNERS3 Filed as: BWD AGENCY, INC. | 45 EXECUTIVE DRIVE PLAINVIEW, NY 11803 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $39 | $8 | $47 | 10.22% |
| ASSUREDPARTNERS3 Filed as: BWD AGENCY, INC. | — | HYATT LEGAL PLANS | $22 | — | $22 | 11.00% |
| ASSUREDPARTNERS3 Filed as: BWD AGENCY, INC. | — | HYATT LEGAL PLANS | — | $4 | $4 | 2.00% |
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 | 198 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 206 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 214 | $129K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 198 | $7K |
| Short-term disability | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | 12 | $460 |
| Long-term disability | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | 10 | $3K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 214 | $129K |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 198 | $8K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 214 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.