| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: BWD AGENCY, INC. | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $17K | — | $17K | 12.35% |
| ASSUREDPARTNERS3 Filed as: BWD AGENCY, INC. | 45 EXECUTIVE DRIVE PLAINVIEW, NY 11803 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $4K | — | $4K | 3.07% |
| ASSUREDPARTNERS3 Filed as: BWD AGENCY, INC. | 45 EXECUTIVE DRIVE PLAINVIEW, NY 118031737 | METROPOLITAN LIFE INSURANCE COMPANY | $198 | $118 | $316 | 3.91% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES, LLC | 340 MADISON AVENUE 21ST FLOOR - ATTN ACCOUNTING NEW YORK, NY 101730401 | METROPOLITAN LIFE INSURANCE COMPANY | $174 | $12 | $186 | 2.30% |
| 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 | $70 | — | $70 | 0.87% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES-NY, LLC | 340 MADISON AVENUE 21ST FLOOR - ATTN ACCOUNTING NEW YORK, NY 101730401 | METROPOLITAN LIFE INSURANCE COMPANY | — | $69 | $69 | 0.85% |
| ASSUREDPARTNERS3 Filed as: BWD AGENCY, INC. | 45 EXECUTIVE DRIVE PLAINVIEW, NY 11803 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $175 | $56 | $231 | 6.60% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP PROPERTY AND CASUALTY SERVICES | 45 EXECUTIVE DRIVE PLAINVIEW, NY 118031737 | FEDERAL INSURANCE COMPANY | $215 | — | $215 | 14.98% |
| ASSUREDPARTNERS3 Filed as: BWD AGENCY, INC. | 45 EXECUTIVE DRIVE PLAINVIEW, NY 11803 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $48 | $9 | $57 | 10.12% |
| ASSUREDPARTNERS3 Filed as: BWD AGENCY, INC. | — | HYATT LEGAL PLANS | $47 | — | $47 | 10.04% |
| ASSUREDPARTNERS3 Filed as: BWD AGENCY, INC. | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | — | $0 | 0.00% |
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 | 238 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 243 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 270 | $137K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 40 | $32 |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 238 | $8K |
| Short-term disability | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | 12 | $563 |
| Long-term disability | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | 13 | $3K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 270 | $137K |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 238 | $10K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 270 | — |
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.