| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PHILIP RUGGIERI3 | 355 LEXINGTON AVE 22ND NEW YORK, NY 10017 | AETNA LIFE INSURANCE CO. | $82K | $0 | $82K | 3.83% |
| RUGGIERI CONSULTING GROUP LLC3 Filed as: RUGGIERI CONSULTING GROUP, LLC | 355 LEXINGTON AVE 22ND NEW YORK, NY 10017 | AETNA LIFE INSURANCE CO. | $0 | $9 | $9 | 0.00% |
| ENROLLEASE3 Filed as: DIGITAL INSURANCE AGENCY | 355 LEXINGTON AVE 22ND FL NEW YORK, NY 10017 | HIP HEALTH PLAN OF NEW YORK | $18K | $0 | $18K | 3.85% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | AETNA LIFE INSURANCE CO. | $7K | $0 | $7K | 3.54% |
| RUGGIERI CONSULTING GROUP LLC3 Filed as: RUGGIERI CONSULTING GROUP, LLC | 355 LEXINGTON AVE 22ND NEW YORK, NY 10017 | AETNA LIFE INSURANCE CO. | $0 | $643 | $643 | 0.30% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC. | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | AETNA LIFE INSURANCE CO. | $0 | $65 | $65 | 0.03% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 80 OVERHILL ROAD MOUNT VERNON, NY 10552 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $11K | $0 | $11K | 8.52% |
| PHILIP RUGGIERI3 | 80 OVERHILL ROAD MOUNT VERNON, NY 10552 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 4.74% |
| NMP PLANNING CO. INC3 | 11835 QUEENS BLVD STE 1230 FOREST HILLS, NY 11375 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2 | $0 | $2 | 0.00% |
| PHILIP RUGGIERI3 | 80 OVERHILL RD MOUNT VERNON, NY 105521340 | UNITED HEALTHCARE INSURANCE COMPANY | $732 | $0 | $732 | 10.01% |
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 | 323 | 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. |
| Total participants (= "Plan participants" tile) | 323 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 179 | $2.8M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 119 | $65K |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 85 | $7K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 305 | $123K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 305 | $123K |
| Other(2 contracts, 2 carriers) | HIP HEALTH PLAN OF NEW YORK | 305 | $584K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 305 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.