| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INS SVS INC | 1133 WESTCHESTER AVE SUITE N-136 WHITE PLAINS, NY 10604 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $171K | — | $171K | 10.83% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC. | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $112K | $112K | 7.10% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN OF NY DBA OPUS ADV | 1133 WESTCHESTER AVENUE SUITE N136 WHITE PLAINS, NY 10604 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | -$2K | — | -$2K | -0.14% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN OF NY INC | 800 WESTCHESTER AVE STE 302 RYE BROOK, NY 10573 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $15K | $4K | $19K | 3.59% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC. | 225 WIRELESS BLVD SUITE 200 HAUPPAUGE, NY 11788 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $23K | $23K | 4.98% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN OF NY DBA OPUS ADV. | 1133 WESTCHESTER AVENUE SUITE N136 WHITE PLAINS, NY 10604 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $22K | — | $22K | 4.96% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN OF NY INC | 1133 WESTCHESTER AVENUE STE N-136 WHITE PLAINS, NY 10604 | VISION SERVICE PLAN | $2K | — | $2K | 2.68% |
| CRUMP LIFE INSURANCE SERVICES3 Filed as: CRUMP LIFE INS SERVICES INC | 4135 N FRONT ST HARRISBURG, PA 17110 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 5.76% |
| RUSSELL J CARPENTIERI3 | 800 WESTCHESTER AVENUE SUITE N409 RYE BROOK, NY 10573 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 3.07% |
| BRANCA-RAMPART AGENCY INC3 | 2005 S EASTON RD STE 202 DOYLESTOWN, PA 18901 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 1.79% |
| CHERA S GERSTEIN3 | 139 KENYON ST HARTFORD, CT 06105 | STANDARD INSURANCE COMPANY | $357 | — | $357 | 0.60% |
| SILAS MILNE WARNER3 | WILLIS OF CONNECTICUT, LLC 185 ASYLUM ST 25TH FL HARTFORD, CT 06103 | STANDARD INSURANCE COMPANY | $282 | — | $282 | 0.47% |
| MARK BAKER/THE BAKER BENEFIT GROUP3 Filed as: MARK BAKER-THE BAKER BENEFIT GROUP | 170 US ROUTE 1 STE 150 FALLMOUTH, ME 04105 | STANDARD INSURANCE COMPANY | $232 | — | $232 | 0.39% |
| JENNIFER L FIORITO3 | 2005 S EASTON RD STE 202 DOYLESTOWN, PA 18901 | STANDARD INSURANCE COMPANY | $169 | — | $169 | 0.28% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INSURANCE SERVICES, I | 1133 WESTCHESTER AVE SUITE N-136 WEST HARRISON, NY 10604 | HARTFORD LIFE AND ACCIDENT | $2K | $552 | $2K | 19.99% |
| BROWN & BROWN INSURANCE SERVICES3 Filed as: BROWN & BROWN INSURANCE SERVICES, I | 1133 WESTCHESTER AVENUE SUITE N-136 WEST PLAINS, NY 10604 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $472 | — | $472 | 9.99% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BROWN & BROWN INS SVS. INC. INSURANCE BROKER | Insurance agents and brokers Service code 22 | 1133 WESTCHESTER AVENUE SUITE N-136 WHITE PLAINS, NY 10604 | $171K |
| PROFESSIONAL GROUP PLANS EIN 11-3144545 INSURANCE BROKER | Insurance agents and brokers Service code 22 | — | $112K |
| CIGNA HEALTH AND LIFE INSURANCE CO | Direct payment from the plan; Claims processing; Contract Administrator; Participant communication; Other services; Named fiduciary; Float revenue; Non-monetary compensation Service code 12 | — | $0 |
| BROWN & BROWN OF NY DBA OPUS ADV INSURANCE BROKER | Insurance agents and brokers Service code 22 | 1133 WESTCHESTER AVENUE SUITE N-136 WHITE PLAINS, NY 106043546 | -$2K |
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 | 242 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 245 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 389 | $1.6M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 241 | $453K |
| Vision | VISION SERVICE PLAN | 237 | $92K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 243 | $520K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 243 | $520K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 243 | $520K |
| Other(4 contracts, 4 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 243 | $595K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 389 | — |
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.