| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GOLD SKY BENEFITS LLC3 | 40-29 235TH STREET DOUGLASTON, NY 11363 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $134K | $134K | 3.49% |
| FNA INSURANCE SERVICES INC3 | 1000 WOODBURY ROAD NEW YORK, NY 11797 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $51K | $51K | 1.32% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST LIMITED | 100 SUNNYSIDE BOULEVARD WOODBURY, NY 11797 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $49K | $49K | 1.27% |
| GREATER METRO AGENCY INC3 | 1000 WOODBURY ROAD, SUITE 403 WOODBURY, NY 11797 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $23K | $23K | 0.59% |
| SCHOLL, JAMES3 | 543 PARK AVENUE PAGOSA SPRINGS, CO 81147 | ROCKY MOUNTAIN HOSPITAL & MEDICAL SERVICE, INC. | $34K | $0 | $34K | 3.47% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: WARNER PACIFIC INSURANCE SVCS., INC | 32110 AGOURA ROAD WESTLAKE VILLAGE, CA 91361 | ROCKY MOUNTAIN HOSPITAL & MEDICAL SERVICE, INC. | $0 | $10K | $10K | 1.01% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST LIMITED | UNKNOWN HAUPPAUGE, NY 11788 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY | $19K | $0 | $19K | 5.26% |
| GOLD SKY BENEFITS LLC3 | 40-29 235TH STREET DOUGLASTON, NY 11363 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY | $17K | $0 | $17K | 4.73% |
| GOLD SKY BENEFITS LLC3 | 40-29 235TH STREET DOUGLASTON, NY 11363 | MUTUAL OF OMAHA INSURANCE COMPANY | $13K | $10K | $24K | 12.92% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST LIMITED | 1393 VETERANS HIGHWAY, SUITE 210N HAUPPAUGE, NY 11788 | MUTUAL OF OMAHA INSURANCE COMPANY | $6K | $0 | $6K | 2.98% |
| JAMES J SCHOLL3 Filed as: JAMES SCHOLL | 543 PARK AVENUE PAGOSA SPRINGS, CO 81147 | DELTA DENTAL OF COLORADO | $7K | $0 | $7K | 8.98% |
| JAMES J SCHOLL3 Filed as: JAMES J. SCHOLL | 543 PARK AVENUE PAGOSA SPRINGS, CO 81147 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $10K | $0 | $10K | 13.60% |
| JAMES J SCHOLL3 Filed as: JAMES SCHOLL | 543 PARK AVENUE PAGOSA SPRINGS, CO 81147 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $0 | $1K | 1.40% |
| GOLD SKY BENEFITS LLC3 | 40-29 235TH STREET DOUGLASTON, NY 11363 | COMPANION LIFE INSURANCE COMPANY | $6K | $3K | $9K | 17.37% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST LIMITED | 1393 VETERANS HIGHWAY, SUITE 210N HAUPPAUGE, NY 11788 | COMPANION LIFE INSURANCE COMPANY | $2K | $0 | $2K | 4.33% |
| JAMES J SCHOLL3 Filed as: JAMES J. SCHOLL | 543 PARK AVENUE PAGOSA SPRINGS, CO 81147 | VISION SERVICE PLAN | $1K | $0 | $1K | 9.99% |
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 | 405 | 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) | 405 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 546 | $4.8M |
| Dental(2 contracts, 2 carriers) | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY | 437 | $437K |
| Vision(2 contracts, 2 carriers) | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY | 437 | $372K |
| Life insurance(3 contracts, 3 carriers) | MUTUAL OF OMAHA INSURANCE COMPANY | 605 | $315K |
| Short-term disability(2 contracts, 2 carriers) | MUTUAL OF OMAHA INSURANCE COMPANY | 605 | $261K |
| Long-term disability(2 contracts, 2 carriers) | MUTUAL OF OMAHA INSURANCE COMPANY | 605 | $261K |
| Prescription drug(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 546 | $4.8M |
| Other(2 contracts, 2 carriers) | MUTUAL OF OMAHA INSURANCE COMPANY | 605 | $261K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 605 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.