| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MY BENEFIT ADVISOR LLC3 | 1305 WALT WHITMAN ROAD SUITE 310 MELVILLE, NY 11747 | FIRST CONTINENTAL LIFE AND ACCIDENT INSURANCE COMPANY | $30K | $0 | $30K | 9.31% |
| MY BENEFIT ADVISOR LLC3 | 1305 WALT WHITMAN ROAD SUITE 310 MELVILLE, NY 11747 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $19K | $0 | $19K | 6.68% |
| EMERSON REID LLC3 | 669 RIVER DRIVE CENTER II SUITE 305 ELMWOOD PARK, NJ 07407 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $11K | $14K | 4.91% |
| THE HOTALING GROUP3 | 125 PARK AVE SUITE 1607 NEW YORK, NY 10017 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $13K | $0 | $13K | 4.49% |
| MY BENEFIT ADVISOR LLC3 | 669 RIVER DRIVE CENTER II SUITE 305 ELMWOOD PARK, NJ 07407 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $16K | $0 | $16K | 25.86% |
| THE HOTALING GROUP3 | 125 PARK AVE SUITE 1607 NEW YORK, NY 10017 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $11K | $0 | $11K | 17.26% |
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 | 412 | 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) | 412 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | FIRST CONTINENTAL LIFE AND ACCIDENT INSURANCE COMPANY | 563 | $327K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 790 | $63K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 412 | $279K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 412 | $279K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 412 | $279K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 412 | $279K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 790 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.