| 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 | — | $38K | $38K | 4.71% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE (NJ) | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $16K | $16K | 2.00% |
| FIDUCIARY INTERMEDIARY LTD3 Filed as: FIDUCIARY INTERMEDIARY LTD. | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $1K | $1K | 0.13% |
| THE PARTNERS GROUP3 Filed as: TPG GROUP | 25 SEIR HILL ROAD NORWALK, CT 06850 | INTEGON NATIONAL INSURANCE COMPANY | $13K | — | $13K | 7.50% |
| HENRY KELLNER3 | 80 HERRICK AVENUE SPRING VALLEY, NY 10977 | NIPPON LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 15.59% |
| BENEFITMALL3 | 12404 PARK CENRAL DRIVE SUITE 400S DALLAS, TX 75251 | NIPPON LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 5.04% |
| FIDUCIARY INTERMEDIARY LTD3 | 370 LEXINGTON AVENUE ROOM 703 NEW YORK, NY 10017 | NIPPON LIFE INSURANCE COMPANY OF AMERICA | $461 | — | $461 | 1.41% |
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 | 1,191 | 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) | 1,191 | 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 | 338 | $965K |
| Dental | NIPPON LIFE INSURANCE COMPANY OF AMERICA | 33 | $33K |
| Vision | NIPPON LIFE INSURANCE COMPANY OF AMERICA | 33 | $33K |
| Life insurance | NIPPON LIFE INSURANCE COMPANY OF AMERICA | 33 | $33K |
| Long-term disability | NIPPON LIFE INSURANCE COMPANY OF AMERICA | 33 | $33K |
| Other | NIPPON LIFE INSURANCE COMPANY OF AMERICA | 33 | $33K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 338 | — |
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.