| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WORLD INSURANCE ASSOCIATES LLC3 | 1821 ROUTE 71 WALL, NJ 07719 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $170K | $170K | 3.65% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 501 FRANKLIN AVENUE, SUITE 218 GARDEN CITY, NY 11530 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $108K | $108K | 2.31% |
| ACRISURE LLC3 Filed as: ACRISURE PGM INSURANCE SERVICES | 311 CLOCK TOWER COMMONS BREWSTER, NY 10509 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $43K | $43K | 0.93% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 501 FRANKLIN AVENUE, SUITE 218 GARDEN CITY, NY 11530 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $0 | $11K | $11K | 2.91% |
| ACRISURE LLC3 Filed as: ACRISURE PGM INSURANCE SERVICES | 311 CLOCK TOWER COMMONS BREWSTER, NY 10509 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $0 | $7K | $7K | 1.94% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 100 OTTAWA AVENUE SW GRAND RAPIDS, MI 49503 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $4K | $0 | $4K | 4.38% |
| WORLD INSURANCE ASSOCIATES LLC3 | 100 WOOD AVENUE SOUTH, 4TH FLOOR ISELIN, NJ 08830 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $2K | $0 | $2K | 2.31% |
| ACRISURE LLC3 Filed as: ACRISURE PGM INSURANCE SERVICES LLC | 50 BROADWAY, 2ND FLOOR HAWTHORNE, NY 10583 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $2K | $0 | $2K | 2.26% |
| ACRISURE LLC3 | 100 OTTAWA AVENUE SW GRAND RAPIDS, MI 49503 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $4K | $3K | $6K | 9.39% |
| WORLD INSURANCE ASSOCIATES LLC3 | PO BOX 95000 PHILADELPHIA, PA 19195 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $3K | $0 | $3K | 4.16% |
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 | 536 | 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) | 536 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 667 | $4.6M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 537 | $363K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 537 | $363K |
| Life insurance | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | 536 | $102K |
| Short-term disability | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | 536 | $102K |
| Long-term disability | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | 536 | $102K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 667 | $4.6M |
| Other(3 contracts, 3 carriers) | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | 536 | $181K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 667 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.