| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: BWD AGENCY, INC. | 45 EXECUTIVE DRIVE PLAINVIEW, NY 11803 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $26K | $0 | $26K | 13.67% |
| 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 | $397 | $236 | $633 | 8.24% |
| 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 | $69 | $0 | $69 | 0.90% |
| ASSUREDPARTNERS3 Filed as: BWD AGENCY INC | 45 EXECUTIVE DRIVE PLAINVIEW, NY 11803 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $248 | $0 | $248 | 5.00% |
| ASSUREDPARTNERS3 Filed as: BWD AGENCY INC. | 45 EXECUTIVE DRIVE PAINVIEW, NY 11803 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $98 | $0 | $98 | 2.38% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP PROPERTY AND CASUALTY SERVICES | 45 EXECUTIVE DRIVE PLAINVIEW, NY 11803 | FEDERAL INSURANCE COMPANY | $270 | $0 | $270 | 15.02% |
| ASSUREDPARTNERS3 Filed as: BWD AGENCY, INC. | 45 EXECUTIVE DRIVE PLAINVIEW, NY 11803 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $61 | $0 | $61 | 8.46% |
| ASSUREDPARTNERS3 Filed as: BWD AGENCY, INC. | 45 EXECUTIVE DRIVE PLAINVIEW, NY 11803 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE COMPANY | $45 | $4 | $49 | 12.10% |
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 | 279 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 286 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 270 | $188K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 40 | $4K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 297 | $8K |
| Short-term disability | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | 40 | $721 |
| Long-term disability | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | 18 | $5K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 270 | $188K |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 297 | $10K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 297 | — |
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.