| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RELIABLE BROKERAGE INC3 Filed as: RELIABLE BROKERAGE | 377 ROUTE 59 SUITE 292 MONSEY, NY 10952 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $45K | $45K | 4.61% |
| FNA INSURANCE SERVICES INC3 | 300 CONNELL SUITE 3000 BERKLEY HEIGHTS, NJ 07922 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $20K | $20K | 2.00% |
| RELIABLE BROKERAGE INC3 Filed as: RELIABLE BROKERAGE | 377 ROUTE 59 SUITE 4 MONSEY, NY 10952 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $6K | $163 | $6K | 10.21% |
| FNA INSURANCE SERVICES INC3 | 401 BROADHOLLOW ROAD SUITE 303 MELVILLE, NY 07922 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | — | $3K | $3K | 4.96% |
| RELIABLE BROKERAGE INC3 Filed as: RELIABLE BROKERAGE INC. | 382 ROUTE 59 SUITE 292 MONSEY, NY 10952 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 15.00% |
| FNA INSURANCE SERVICES INC3 | 1000 WOODBURY ROAD 4TH FLOOR SUITE 403 WOODBURY, NY 11797 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $514 | $514 | 5.00% |
| RELIABLE BROKERAGE INC3 | 382 ROUTE 59 MONSEY, NY 10952 | TRANSAMERICA LIFE INSURANCE COMPANY | $605 | — | $605 | 6.52% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AND FNCL SVCS | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | TRANSAMERICA LIFE INSURANCE COMPANY | $475 | — | $475 | 5.12% |
| RELIABLE BROKERAGE INC3 Filed as: RELIABLE BROKERAGE INC. | 382 ROUTE 59 SUITE 292 MONSEY, NY 10952 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $364 | — | $364 | 12.00% |
| FNA INSURANCE SERVICES INC3 Filed as: FNA INSURANCE SERVICES, INC | 1000 WOODBURY ROAD 4TH FLOOR SUITE 403 WOODBURY, NY 11797 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | — | $152 | $152 | 5.01% |
| RELIABLE BROKERAGE INC3 Filed as: RELIABLE BROKERAGE INC. | 382 ROUTE 59 SUITE 292 MONSEY, NY 10952 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $151 | — | $151 | 11.99% |
| FNA INSURANCE SERVICES INC3 Filed as: FNA INSURANCE SERVICES, INC | 1000 WOODBURY ROAD 4TH FLOOR SUITE 403 WOODBURY, NY 11797 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | — | $63 | $63 | 5.00% |
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 | 115 | 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) | 115 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 63 | $977K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 55 | $57K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 55 | $57K |
| Life insurance | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | 109 | $3K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 109 | $10K |
| Stop-loss / reinsurancereinsurance | NATIONWIDE LIFE INSURANCE COMPANY | 55 | $235K |
| Other(2 contracts, 2 carriers) | TRANSAMERICA LIFE INSURANCE COMPANY | 109 | $11K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 109 | — |
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.