| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: BWD AGENCY | 45 EXECUTIVE DRIVE PLAINVIEW, NY 11803 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $4K | — | $4K | 3.88% |
| PROFESSIONAL PENSIONS INC Filed as: PROFESSIONAL PENSIONS | 10 RESEARCH PARKWAY PLAINVIEW, NY 11803 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $3K | $3K | 2.97% |
| ASSUREDPARTNERS Filed as: BWD AGENCY | 45 EXECUTIVE DRIVE PLAINVIEW, NY 11803 | CIGNA LIFE INSURANCE COMPANY OF NY | $4K | — | $4K | 10.84% |
| ASSUREDPARTNERS Filed as: BWD AGENCY INC. | 45 EXECUTIVE DRIVE PLAINVIEW, NY 11803 | AETNA LIFE INSURANCE CO. | $4K | — | $4K | 16.78% |
| ASSUREDPARTNERS3 Filed as: BWD AGENCY INC. | 45 EXECUTIVE DRIVE PLAINVIEW, NY 11803 | HM LIFE INSURANCE COMPANY OF NEW YORK | $1K | — | $1K | 10.00% |
| ASSUREDPARTNERS3 Filed as: BWD AGENCY INC. | 45 EXECUTIVE DRIVE PLAINVIEW, NY 118031730 | COMPANION LIFE INSURANCE COMPANY | $1K | $287 | $1K | 12.75% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES INC. | 1250 S CAPITAL OF TEXAS HWY. SUITE 600 AUSTIN, TX 787466446 | COMPANION LIFE INSURANCE COMPANY | — | $97 | $97 | 0.93% |
| ASSUREDPARTNERS3 Filed as: BWD AGENCY | 45 EXECUTIVE PLACE PLAINVIEW, NY 118031730 | MUTUAL OF OMAHA INSURANCE COMPANY | $51 | $15 | $66 | 12.99% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP INSURANCE SERVICES INC. | 1250 S CAPITAL OF TEXAS HWY. SUITE 600 AUSTIN, TX 787466446 | MUTUAL OF OMAHA INSURANCE COMPANY | — | $5 | $5 | 0.98% |
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 | 302 | 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. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 302 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 193 | $92K |
| Vision | HM LIFE INSURANCE COMPANY OF NEW YORK | 142 | $11K |
| Life insurance(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 255 | $33K |
| Long-term disability | CIGNA LIFE INSURANCE COMPANY OF NY | 255 | $34K |
| Other(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 255 | $23K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 255 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.