| 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 | $871 | $0 | $871 | 0.49% |
| MARTIN BERNARD3 | 22 VALENTINE DRIVE ALBERTSON, NY 11507 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $871 | $0 | $871 | 0.49% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC. | 669 RIVER DRIVE, SUITE 305 ELMWOOD PARK, NJ 07407 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $436 | $0 | $436 | 0.25% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 5000 DEARBORN CIRCLE, SUITE 100 MOUNT LAUREL, NJ 08054 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $6K | $0 | $6K | 6.22% |
| STERLING AND STERLING, INC.3 Filed as: STERLING AND STERLING INC | 135 CROSSWAYS PARK DRIVE WOODBURY, NY 11797 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $2K | $0 | $2K | 1.69% |
| STERLING AND STERLING, INC.3 Filed as: STERLING & STERLING INC. | 135 CROSSWAYS PARK DRIVE PO BOX 9017 WOODBURY, NY 11797 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $1K | $0 | $1K | 1.42% |
| EMERSON REID LLC3 | 261 MADISON AVENUE, SUITE 602 NEW YORK, NY 10016 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $0 | $223 | $223 | 0.21% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC. | 261 MADISON AVENUE, SUITE 602 NEW YORK, NY 10016 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $0 | $185 | $185 | 0.18% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 5000 DEARBORN CIRCLE, SUITE 100 MOUNT LAUREL, NJ 08054 | SHELTERPOINT LIFE INSURANCE COMPANY | $2K | $0 | $2K | 6.63% |
| THE DBL CENTER LTD3 Filed as: DBL CENTER LTD | 155 PINELAWN ROAD, SUITE 1205 MELVILLE, NY 11747 | SHELTERPOINT LIFE INSURANCE COMPANY | $2K | $0 | $2K | 6.63% |
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 | 287 | 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) | 287 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 219 | $177K |
| Life insurance | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | 287 | $104K |
| Short-term disability | SHELTERPOINT LIFE INSURANCE COMPANY | 322 | $34K |
| Long-term disability | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | 287 | $104K |
| Other | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | 287 | $104K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 322 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.