| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARC SHAPIRO3 | 5 COTTONTAIL ROAD MELVILLE, NY 11747 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $125K | $125K | 1.06% |
| DONALD C SAVOY INC3 | ROUND TABLE STUDIOS 200 CONNELL DR #1000 BERKELEY HEIGHTS, NJ 07822 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $122K | $122K | 1.03% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | PO BOX 786677 STE 3202 PHILADELPHIA, PA 19178 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $115K | $115K | 0.97% |
| PROFESSIONAL PENSIONS INC3 | 10 RESEARCH PARKWAY WALLINGFORD, CT 06492 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $71K | $71K | 0.60% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES (NY) LLC | PO BOX 786677 PHILADELPHIA, PA 19178 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $40K | $0 | $40K | 3.65% |
| MARC SHAPIRO3 | 5 COTTONTAIL ROAD MELVILLE, NY 11747 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $37K | $0 | $37K | 3.32% |
| DONALD C SAVOY INC3 | ROUND TABLE STUDIOS 200 CONNELL DR #1000 BERKELEY HEIGHTS, NJ 07922 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $26K | $26K | 2.37% |
| PROFESSIONAL PENSIONS INC3 | 10 RESEARCH PARKWAY WALLINGFORD, CT 06492 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $19K | $19K | 1.75% |
| MARC A SHAPIRO3 | 5 COTTONTAIL ROAD MELVILLE, NY 11747 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $14K | $0 | $14K | 2.23% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | 200 PARK AVE SUITE 3202 NEW YORK, NY 10166 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 0.65% |
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 | 546 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 21 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 579 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 871 | $11.8M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 527 | $1.1M |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 564 | $619K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 564 | $619K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 564 | $619K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 564 | $619K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 871 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.