| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC | — | CIGNA HEALTH & LIFE INSURANCE COMPANY | $24K | — | $24K | 1.87% |
| AMWINS3 Filed as: AMWINS GROUP BENEFITS, INC | — | CIGNA HEALTH & LIFE INSURANCE COMPANY | $8K | — | $8K | 0.62% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| INDEPENDENCE ADMINISTRATORS NONE | Direct payment from the plan; Contract Administrator; Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | PO BOX 826989 PHILADELPHIA, PA 191826989 | $1.7M |
| SCHULTHEIS & PANETTIERI, LLP EIN 13-1577780 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $321K |
| SIERRA INVESTMENT PARTNERS, INC. EIN 68-0370668 NONE | Investment management fees paid directly by plan; Investment management Service code 28 | — | $216K |
| ROSEANN HAINES EIN 22-6032181 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $192K |
| LORD ABBETT & CO. LLC EIN 13-5620131 NONE | Investment management fees paid directly by plan; Investment management Service code 28 | — | $175K |
| WEDGE CAPITAL MANAGEMENT EIN 56-1557450 NONE | Investment management fees paid directly by plan; Investment management fees paid indirectly by plan; Soft dollars commissions; Investment management Service code 28 | — | $163K |
| CHARTWELL INVESTMENT PARTNERS, LLC EIN 36-4776242 NONE | Investment management; Investment management fees paid directly by plan Service code 28 | — | $163K |
| ORHAN COSKUNER EIN 22-6032181 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $138K |
| KIMBERLY SENNES EIN 22-6032181 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $128K |
| MICHELLE DARRAGH EIN 22-6032181 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $116K |
| REVOLT GROUP LLC EIN 46-3524964 NONE | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 15 | — | $114K |
| KIM TOMPURI EIN 22-6032181 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $109K |
| EXCELLUS BLUE CROSS BLUE SHIELD EIN 15-0329043 NONE | Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.); Claims processing; Contract Administrator Service code 12 | — | $109K |
| EXPRESS SCRIPTS, INC EIN 22-3461740 NONE | Claims processing; Direct payment from the plan; Contract Administrator Service code 12 | — | $105K |
| LEVEL CARE HEALTH CONSORTIUM EIN 83-2819398 NONE | Direct payment from the plan; Claims processing Service code 12 | — | $102K |
| SLEVIN & HART, P.C. EIN 52-1708613 NONE | Legal; Direct payment from the plan Service code 29 | — | $101K |
| BASYS INC EIN 52-1796473 NONE | Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $101K |
| VIRGINIA & AMBINDER, LLP EIN 13-4166736 NONE | Legal; Direct payment from the plan Service code 29 | — | $101K |
| PROFLEX ADMINISTRATORS LLC EIN 45-3261121 NONE | Direct payment from the plan; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 15 | — | $99K |
| PENNY CRONK EIN 22-6032181 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $91K |
| ERIN CECCUCCI EIN 22-6032181 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $85K |
| ARCARA ZUCARELLI LENDA & ASSOCIATES EIN 47-1793720 NONE | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $75K |
| MARY SIEMION EIN 22-6032181 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $68K |
| DIMANTRI GAVIN MCINTYRE EIN 22-6032181 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $66K |
| LINDA BAZEWICK EIN 22-6032181 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $64K |
| LISA BIFULCO EIN 22-6032181 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $64K |
| KYLE LAGONEGRO EIN 22-6032181 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $63K |
| KAREN PALMER EIN 22-6032181 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $63K |
| ABIGAIL BONILLA EIN 22-6032181 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $59K |
| RYAN-ASHLEY PAOLINO EIN 22-6032181 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $56K |
| KIMBERLY GERBER EIN 22-6032181 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $54K |
| ALLYSON NAURONIS EIN 22-6032181 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $53K |
| MARGARET LIGHTFOOT EIN 22-6032181 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $52K |
| SUSANIN WIDMAN & BRENNAN PC EIN 23-2265950 NONE | Legal; Direct payment from the plan Service code 29 | — | $51K |
| FIRST ACTUARIAL CONSULTING, INC. EIN 26-3842522 NONE | Actuarial; Direct payment from the plan Service code 11 | — | $48K |
| JASON RANDOLPH EIN 22-6032181 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $46K |
| JENNIFER LIVINGSTON EIN 22-6032181 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $45K |
| MARSHALL & MOSS PAYROLL COMPLIANCE EIN 04-3652965 NONE | Accounting (including auditing); Direct payment from the plan Service code 10 | — | $45K |
| ANGELA NORTHRUP EIN 22-6032181 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $44K |
| DIANE SHADDUCK EIN 22-6032181 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $41K |
| RYAN LABS ASSET MANAGEMENT EIN 47-3503928 NONE | Investment management fees paid directly by plan; Investment management Service code 28 | — | $39K |
| SANDRA REILLY EIN 22-6032181 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $39K |
| MARY YEAGER EIN 22-6032181 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $39K |
| AMY CHROPUFKA EIN 22-6032181 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $39K |
| JEREMY KIEFFER EIN 22-6032181 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $34K |
| FATIANA HOYOS EIN 22-6032181 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $33K |
| KEESHA BRUMFIELD EIN 22-6032181 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $32K |
| ANNE SIDOTI EIN 22-6032181 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $31K |
| CYNTHIA COATS EIN 22-6032181 NONE | Direct payment from the plan; Employee (plan) Service code 30 | — | $31K |
| KAREEN GARCIA EIN 22-6032181 NONE | Employee (plan); Direct payment from the plan Service code 30 | — | $30K |
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 | 0 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 0 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH & LIFE INSURANCE COMPANY | 1,651 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,114 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Final-filing indicator set. Plan is winding down; don't waste sales effort here.