| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RELIABLE BROKERAGE INC3 Filed as: RELIABLE BROKERAGE | 382 ROUTE 59 SUITE 292 MONSEY, NY 10952 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $58K | $58K | 4.56% |
| FIDUCIARY INTERMEDIARY LTD3 Filed as: FIDUCIARY INTERMEDIARY, LTD. | 370 LEXINGTON AVENUE SUITE 703 NEW YORK, NY 10017 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $23K | $23K | 1.82% |
| RELIABLE BROKERAGE INC3 Filed as: RELIABLE BROKERAGE | 328 ROUTE 59 SUITE 292 MONSEY, NY 10952 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $5K | — | $5K | 9.91% |
| FIDUCIARY INTERMEDIARY LTD3 | 370 LEXINGTON AVENUE SUITE 703 NEW YORK, NY 10017 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | — | $2K | $2K | 3.96% |
| GA SOLUTIONS LLC3 | 370 LEXINGTON AVENUE SUITE 703 NEW YORK, NY 10017 | THE GUARDIAN LIFE INSURANCE OF AMERICA | $4K | $376 | $4K | 21.91% |
| RELIABLE BROKERAGE INC3 | 382 ROUTE 59 SUITE 292 AIRMONT, NY 10952 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | $955 | $3K | 13.27% |
| RELIABLE BROKERAGE INC3 | 382 ROUTE 59 SUITE 292 AIRMONT, NY 10952 | PRINCIPAL LIFE INSURANCE COMPANY | $706 | $411 | $1K | 13.59% |
| RELIABLE BROKERAGE INC3 Filed as: RELIABLE BROKERAGE | 382 ROUTE 59 #292 MONSEY, NY 10952 | MIDLANDS CASUALITY INSURANCE COMPANY | $7K | — | $7K | 319.27% |
| MENDOVA HEALTHCARE3 | 345 NORTH RIVERVIEW STREET SUITE 600 WICHITA, KS 67203 | MIDLANDS CASUALITY INSURANCE COMPANY | — | $5K | $5K | 245.59% |
| PHCS3 Filed as: MULTIPLAN INC-PHCS | PO BOX 29380 NEW YORK, NY 10087 | MIDLANDS CASUALITY INSURANCE COMPANY | — | $3K | $3K | 146.78% |
| FNA INSURANCE SERVICES INC3 Filed as: FNA INSURANCE | 1000 WOODBURY ROAD SUITE 403 WOODBURY, NY 11797 | MIDLANDS CASUALITY INSURANCE COMPANY | $18K | — | $18K | — |
| MEDOVA HEALTHCARE3 | 345 NORTH RIVERVIEW STREET SUITE 600 WICHITA, KS 67203 | MIDLANDS CASUALITY INSURANCE COMPANY | — | $15K | $15K | — |
| PHCS3 Filed as: MULTIPLAN INC-PHCS | PO BOX 29380 GENERAL POST OFFICE NEW YORK, NY 10087 | MIDLANDS CASUALITY INSURANCE COMPANY | — | $9K | $9K | — |
| RBI INSURANCE3 | 250 CROSSWAYS PARK DRIVE WOODBURY, NY 11797 | MIDLANDS CASUALITY INSURANCE COMPANY | $1K | — | $1K | — |
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 | 360 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 364 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 175 | $1.3M |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 59 | $68K |
| Vision(2 contracts) | PRINCIPAL LIFE INSURANCE COMPANY | 52 | $27K |
| Other(3 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE OF AMERICA | 92 | $22K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 175 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.