| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PEOPLES UNITED INSURANCE3 | 755 MAIN STREET ONE FINANCIAL PLAZA HARTFORD, CT 06103 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $57K | — | $57K | 4.00% |
| DONALD C SAVOY INC3 | 25B HANOVER ROAD SUITE 220 FLORHAM PARK, NJ 07932 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $17K | $17K | 1.16% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC. | 225 WIRELESS BOULEVARD 2ND FLOOR HAUPPAUGE, NY 11788 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $12K | $12K | 0.84% |
| PEOPLES UNITED INSURANCE AGENCY INC3 | 100 MOTOR PARKWAY SUITE 110 HAUPPAUGE, NY 11788 | AFLAC | $700 | — | $700 | 2.77% |
| ANTHONY CAVALLARO3 | 83 WICHARD BOULEVARD COMMACK, NY 11725 | AFLAC | $613 | — | $613 | 2.43% |
| PEOPLES UNITED INSURANCE AGENCY INC3 | 100 MOTOR PARKWAY SUITE 110 HAUPPAUGE, NY 11788 | AFLAC | $570 | — | $570 | 2.26% |
| ANTHONY CAVALLARO3 Filed as: ANTHONY CAVALLARDO | 125 JERICHO TURNPIKE SUITE 201 JERICHO, NV 11753 | AFLAC | $255 | $107 | $362 | 1.43% |
| JACQUES P DAVID CORPORATION3 | 125 JERICHO TURNPIKE SUITE 201 JERICHO, NY 11753 | AFLAC | $248 | $36 | $284 | 1.13% |
| PATRICIA RUPPEL3 | 3923 DUNESIDE DRIVE HUTCHINSON ISLAND, FL 34949 | AFLAC | $276 | — | $276 | 1.09% |
| BARRY SIEGEL3 | PO BOX 144 DOBBS FERRY, NY 10522 | AFLAC | $221 | $18 | $239 | 0.95% |
| PATRICIA ANN GRECO CAVALLARO3 | 83 WICHARD BOULEVARD COMMACK, NY 11725 | AFLAC | $188 | — | $188 | 0.74% |
| BRADLEY S RUPPEL3 | 67 MAPLE PLACE HUNTINGTON, NY 11743 | AFLAC | $146 | — | $146 | 0.58% |
| JAMES (JAY) GRIMES3 | 6165 WATERFORD ROAD COLUMBUS, GA 31904 | AFLAC | $72 | — | $72 | 0.29% |
| ANTHONY CHILLE AGENCY INC3 | 35 POPLAR AVENUE FARMINGDALE, NY 11735 | AFLAC | $59 | — | $59 | 0.23% |
| BARBARA FONTI3 | 223 WALL STREET #159 HUNTINGTON, NY 11743 | AFLAC | $41 | — | $41 | 0.16% |
| KENNETH C MEIER CORP3 | 401 FRANKLIN AVENUE SUITE 312 GARDEN CITY, NY 11530 | AFLAC | $35 | — | $35 | 0.14% |
| KENNETH GRAF3 | 578 CENTER HILL ROAD PITTSBURGH, PA 15239 | AFLAC | $9 | — | $9 | 0.04% |
| BRIAN WHITE3 | 6 COWDIN LANE CHAPPAQUA, NY 10514 | AFLAC | $9 | — | $9 | 0.04% |
| KATHERINE D GRIMES3 | PO BOX 906 FOLLY BEACH, SC 29439 | AFLAC | $7 | — | $7 | 0.03% |
| PATRICK RUHLE3 | 200 GARDEN CITY PLAZA SUITE 410 GARDEN CITY, NY 11530 | AFLAC | $7 | — | $7 | 0.03% |
| BENITO A ROTONDI II INC3 | 23 PINE RIDGE ROAD SARATOGA SPRINGS, NY 12866 | AFLAC | $6 | — | $6 | 0.02% |
| TODD J BURKE CORP3 | 2 IRIS LANE GARDEN CITY, NY 11530 | AFLAC | $1 | — | $1 | 0.00% |
| SAL RESTIVO INSURANCE BROKERAGE COR3 | 32 HASKEL LANE STONYBROOK, NY 11790 | AFLAC | $0 | — | $0 | 0.00% |
| PEOPLES UNITED INSURANCE3 | 1 FINANCIAL PLAZA 755 MAIN STREET HARTFORD, CT 06103 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $2K | — | $2K | 10.49% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS | 225 WIRELESS BOULEVARD SUITE 200 HAUPPAUGE, NY 11788 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | — | $717 | $717 | 5.00% |
| PEOPLES UNITED INSURANCE3 | ONE FINANCIAL PLAZA 755 MAIN STREET HARTFORD, CT 06103 | 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 | — | $699 | $699 | 5.00% |
| PEOPLE'S UNITED INSURANCE AGENCY3 | 1 EAST MAIN STREET SMITHTOWN, NY 11787 | DENTCARE DELIVERY SYSTEMS | $2K | — | $2K | 15.08% |
| PEOPLE'S UNITED INSURANCE AGENCY3 | 1 EAST MAIN STREET SMITHTOWN, NY 11787 | HEALTHPLEX INSURANCE COMPANY | $1K | — | $1K | 10.04% |
| PEOPLES UNITED INSURANCE3 | ONE FINANCIAL PLAZA 755 MAIN STREET HARTFORD, CT 06103 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $297 | — | $297 | 15.02% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS | 225 WIRELESS BOULEVARD SUITE 200 HAUPPAUGE, NY 11788 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | — | $99 | $99 | 5.01% |
| PEOPLE'S UNITED INSURANCE AGENCY3 | 1 EAST MAIN STREET SMITHTOWN, NY 11787 | DENTCARE DELIVERY SYSTEMS | $234 | — | $234 | 15.39% |
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 | 170 | 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) | 170 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 125 | $1.4M |
| Dental(3 contracts, 2 carriers) | DENTCARE DELIVERY SYSTEMS | 36 | $27K |
| Life insurance | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | 178 | $14K |
| Long-term disability | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | 178 | $14K |
| Other(2 contracts, 2 carriers) | AFLAC | 178 | $27K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 178 | — |
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.