| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RELIABLE BROKERAGE INC3 Filed as: RELIABLE BROKERAGE | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $53K | $280K | $333K | 4.56% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS(NJ) | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $93K | $93K | 1.27% |
| RELIABLE BROKERAGE INC3 | 382 ROUTE 59 SUITE 292 MONSEY, NY 10952 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $6K | — | $6K | 10.00% |
| BENEFITMALL3 | 354 EISENHOWER PARKWAY SUITE 2850 LIVINGSTON, NJ 07039 | CIGNA LIFE INSURANCE CO. OF NEW YORK | — | $3K | $3K | 5.00% |
| RELIABLE BROKERAGE INC3 | 382 ROUTE 59 SUITE 292 MONSEY, NY 10952 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $3K | — | $3K | 10.00% |
| BENEFITMALL3 | 354 EISENHOWER PARKWAY SUITE 2850 LIVINGSTON, NJ 07039 | CIGNA LIFE INSURANCE CO. OF NEW YORK | — | $1K | $1K | 5.00% |
| RELIABLE BROKERAGE INC3 | 382 ROUTE 59 SUITE 292 MONSEY, NY 10952 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $422 | — | $422 | 9.99% |
| BENEFITMALL3 | 354 EISENHOWER PARKWAY SUITE 2850 LIVINGSTON, NJ 07039 | CIGNA LIFE INSURANCE CO. OF NEW YORK | — | $211 | $211 | 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 | 730 | 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) | 730 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 566 | $7.3M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 566 | $7.3M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 566 | $7.3M |
| Life insurance | CIGNA LIFE INSURANCE CO. OF NEW YORK | 707 | $27K |
| Long-term disability | CIGNA LIFE INSURANCE CO. OF NEW YORK | 707 | $63K |
| Other | CIGNA LIFE INSURANCE CO. OF NEW YORK | 707 | $4K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 707 | — |
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.
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.