| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PEOPLE'S UNITED INSURANCE AGENCY3 | 755 MAIN STREET ONE FINANCIAL PLAZA HARTFORD, CT 06103 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $52K | — | $52K | 4.00% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BOULEVARD 2ND FLOOR HAUPPAUGE, NY 11788 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $34K | $34K | 2.62% |
| PEOPLES UNITED INSURANCE AGENCY INC3 | 100 MOTOR PARKWAY SUITE 110 HAUPPAUGE, NY 11788 | AFLAC | $2K | — | $2K | 7.35% |
| PATRICIA ANN GRECO CAVALLARO3 | 83 WICHARD BOULEVARD COMMACK, NY 11725 | AFLAC | $2K | — | $2K | 6.49% |
| ANTHONY CAVALLARO3 | 125 JERICHO TURNPIKE SUITE 201 JERICHO, NY 11753 | AFLAC | $986 | — | $986 | 4.23% |
| PEOPLES UNITED INSURANCE AGENCY INC3 | 100 MOTOR PARKWAY SUITE 110 PO BOX 12188 HAUPPAUGE, NY 11788 | AFLAC | $637 | — | $637 | 2.73% |
| JACQUES P DAVID CORPORATION3 | 125 JERICHO TURNPIKE SUITE 201 JERICHO, NY 11753 | AFLAC | $503 | — | $503 | 2.16% |
| BARRY SIEGEL3 | PO BOX 144 DOBBS FERRY, NY 10522 | AFLAC | $469 | — | $469 | 2.01% |
| PATRICIA RUPPEL3 | 1415 50TH COURT VERO BEACH, FL 32956 | AFLAC | $306 | — | $306 | 1.31% |
| BRADLEY S RUPPEL3 Filed as: BRADLEY RUPPEL | 363 GOOD HOPE ROAD BLUFFTON, SC 29909 | AFLAC | $163 | — | $163 | 0.70% |
| JAMES (JAY) GRIMES3 Filed as: JAMES JAY GRIMES | 5165 WATERFORD ROAD COLUMBUS, GA 31904 | AFLAC | $80 | — | $80 | 0.34% |
| ANTHONY CHILLE AGENCY INC3 | 35 POPLAR AVENUE FARMINGDALE, NY 11735 | AFLAC | $66 | — | $66 | 0.28% |
| BARBARA FONTI3 | 223 WALL STREET #159 HUNTINGTON, NY 11743 | AFLAC | $49 | — | $49 | 0.21% |
| KENNETH C MEIER CORP3 | 401 FRANKLIN AVENUE SUITE 312 GARDEN CITY, NY 11530 | AFLAC | $39 | — | $39 | 0.17% |
| KENNETH GRAF3 | 198 YONT WAY GREENSBURG, PA 15601 | AFLAC | $9 | — | $9 | 0.04% |
| PEOPLE'S UNITED INSURANCE AGENCY3 | 1 EAST MAIN STREET SMITHTOWN, NY 11787 | DENTCARE DELIVERY SYSTEMS | $2K | — | $2K | 14.83% |
| PEOPLE'S UNITED INSURANCE AGENCY3 | 1 EAST MAIN STREET SMITHTOWN, NY 11787 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $2K | — | $2K | 15.00% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS | 225 WIRELESS BOULEVARD SUITE 200 HAUPPAUGE, NY 11788 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | — | $868 | $868 | 7.96% |
| PEOPLE'S UNITED INSURANCE AGENCY3 | 1 EAST MAIN STREET SMITHTOWN, NY 11787 | HEALTHPLEX INSURANCE COMPANY | $964 | — | $964 | 9.20% |
| PEOPLES UNITED INSURANCE AGENCY INC3 | 1 MAIN STREET SMITHTOWN, NY 11787 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $1K | — | $1K | 12.00% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC | 225 WIRELESS BOULEVARD 2ND FLOOR HAUPPAUGE, NY 11788 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | — | $822 | $822 | 8.26% |
| PEOPLE'S UNITED INSURANCE AGENCY3 | 1 EAST MAIN STREET SMITHTOWN, NY 11787 | DENTCARE DELIVERY SYSTEMS | $372 | — | $372 | 14.77% |
| PEOPLE'S UNITED INSURANCE AGENCY3 | 1 EAST MAIN STREET SMITHTOWN, NY 11787 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $226 | — | $226 | 14.98% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS | 225 WIRELESS BOULEVARD SUITE 200 HAUPPAUGE, NY 11788 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | — | $120 | $120 | 7.95% |
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 | 161 | 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) | 161 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 121 | $1.3M |
| Dental(3 contracts, 2 carriers) | DENTCARE DELIVERY SYSTEMS | 36 | $25K |
| Life insurance | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | 161 | $10K |
| Long-term disability | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | 161 | $11K |
| Other(2 contracts, 2 carriers) | AFLAC | 161 | $25K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 161 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.