| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JEFFREY BERNARD3 | 1983 MARCUS AVENUE SUITE C130 LAKE SUCCESS, NY 11042 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $4K | — | $4K | 1.99% |
| MARTIN BERNARD3 | 22 VALENTINE DRIVE ALBERTSON, NY 11507 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $4K | — | $4K | 1.99% |
| EMERSON REID LLC3 Filed as: EMERSON REID & COMPANY INC. | 669 RIVER DRIVE STE 305 ELMWOOD PARK, NJ 07407 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $2K | — | $2K | 0.99% |
| JEFFREY BERNARD3 | 1983 MARCUS AVE STE C130 LAKE SUCCESS, NY 11042 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $2K | — | $2K | 3.75% |
| MARTY BERNARD3 | 1983 MARCUS AVE STE C130 LAKE SUCCESS, NY 11042 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $2K | — | $2K | 3.75% |
| MARTY BERNARD3 | 1983 MARCUS AVE STE C130 LAKE SUCCESS, NY 11042 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $2K | — | $2K | 6.26% |
| JEFFREY BERNARD3 | 1983 MARCUS AVE STE C130 LAKE SUCCESS, NY 11042 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $2K | — | $2K | 6.26% |
| MARTY BERNARD3 | 1983 MARCUS AVE STE C130 LAKE SUCCESS, NY 11042 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $747 | — | $747 | 5.26% |
| JEFFREY BERNARD3 | 1983 MARCUS AVE STE C130 LAKE SUCCESS, NY 11042 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $747 | — | $747 | 5.26% |
| JEFFREY BERNARD3 | 1983 MARCUS AVE STE C130 LAKE SUCCESS, NY 11042 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $161 | — | $161 | 6.00% |
| MARTY BERNARD3 | 1983 MARCUS AVE STE C130 LAKE SUCCESS, NY 11042 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $161 | — | $161 | 6.00% |
| MARTY BERNARD3 | 1983 MARCUS AVE STE C130 LAKE SUCCESS, NY 11042 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $92 | — | $92 | 3.74% |
| JEFFREY BERNARD3 | 1983 MARCUS AVE STE C130 LAKE SUCCESS, NY 11042 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $92 | — | $92 | 3.74% |
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 | 313 | 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) | 313 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 234 | $190K |
| Life insurance(2 contracts) | CIGNA LIFE INSURANCE CO. OF NEW YORK | 0 | $66K |
| Long-term disability | CIGNA LIFE INSURANCE CO. OF NEW YORK | 0 | $27K |
| Other(2 contracts) | CIGNA LIFE INSURANCE CO. OF NEW YORK | 0 | $5K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 234 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.