| 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 | $67K | $487K | $554K | 4.71% |
| FNA INSURANCE SERVICES INC3 | 1000 WOODBURY ROAD NEW YORK, NY 11797 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $247K | $247K | 2.10% |
| RELIABLE BROKERAGE INC3 | 382 ROUTE 59 SUITE 292 MONSEY, NY 10592 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $15K | — | $15K | 15.00% |
| RELIABLE BROKERAGE INC3 | 382 ROUTE 59 SUITE 292 MONSEY, NY 10592 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $6K | — | $6K | 15.00% |
| RELIABLE BROKERAGE INC3 | 382 ROUTE 59 SUITE 292 MONSEY, NY 10952 | CIGNA LIFE INSURANCE CO. OF NEW YORK | — | $1K | $1K | 15.21% |
| RELIABLE BROKERAGE INC3 | 382 ROUTE 59 SUITE 292 MONSEY, NY 10592 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $998 | — | $998 | 15.00% |
| RELIABLE BROKERAGE INC3 | 382 ROUTE 59 SUITE 292 MONSEY, NY 10952 | CIGNA LIFE INSURANCE CO. OF NEW YORK | — | $659 | $659 | 17.87% |
| RELIABLE BROKERAGE INC3 | 382 ROUTE 59 SUITE 292 MONSEY, NY 10952 | CIGNA LIFE INSURANCE CO. OF NEW YORK | — | $90 | $90 | 15.46% |
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 | 850 | 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) | 850 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 682 | $11.8M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 682 | $11.8M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 682 | $11.8M |
| Life insurance(2 contracts, 2 carriers) | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | 781 | $46K |
| Long-term disability(2 contracts, 2 carriers) | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | 781 | $110K |
| Other(3 contracts, 3 carriers) | EVERNORTH BEHAVIORAL HEALTH INC | 2,103 | $21K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,103 | — |
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.