| 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 | $23K | — | $23K | 4.00% |
| DONALD C SAVOY INC3 | 25B HANOVER ROAD SUITE 220 FLORHAM PARK, NJ 07932 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $12K | $12K | 2.00% |
| PEOPLES UNITED INSURANCE3 | 1 FINANCIAL PLAZA 755 MAIN STREET HARTFORD, CT 06103 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $1K | — | $1K | 10.37% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS | 225 WIRELESS BOULEVARD SUITE 200 HAUPPAUGE, NY 11788 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | — | $499 | $499 | 5.00% |
| PEOPLES UNITED INSURANCE3 | ONE FINANCIAL PLAZA 755 MAIN STREET HARTFORD, CT 06103 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $1K | — | $1K | 14.65% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS | 225 WIRELESS BOULEVARD SUITE 200 HAUPPAUGE, NY 11788 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | — | $395 | $395 | 5.00% |
| PEOPLE'S UNITED INSURANCE AGENCY3 | 1 EAST MAIN STREET SMITHTOWN, NY 11787 | DENTCARE DELIVERY SYSTEMS | $792 | — | $792 | 15.01% |
| PEOPLE'S UNITED INSURANCE AGENCY3 | 1 EAST MAIN STREET SMITHTOWN, NY 11787 | HEALTHPLEX INSURANCE COMPANY | $524 | — | $524 | 10.55% |
| PEOPLES UNITED INSURANCE3 | ONE FINANCIAL PLAZA 755 MAIN STREET HARTFORD, CT 06103 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $171 | — | $171 | 14.99% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS | 225 WIRELESS BOULEVARD SUITE 200 HAUPPAUGE, NY 11788 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | — | $57 | $57 | 5.00% |
| PEOPLE'S UNITED INSURANCE AGENCY3 | 1 EAST MAIN STREET SMITHTOWN, NY 11787 | DENTCARE DELIVERY SYSTEMS | $130 | — | $130 | 13.80% |
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 | 182 | 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) | 182 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 122 | $576K |
| Dental(3 contracts, 2 carriers) | DENTCARE DELIVERY SYSTEMS | 33 | $11K |
| Life insurance | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | 182 | $10K |
| Long-term disability | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | 182 | $8K |
| Other | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | 182 | $1K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 182 | — |
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.