| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF CT LLC - WILLIS HRH | PO BOX 414965 BOSTON, MA 02241 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $7K | — | $7K | 3.73% |
| YOURPFO CONSULTING LLC3 | 2500 WESTCHESTER AVE 4TH FLOOR PURCHASE, NY 10577 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $2K | — | $2K | 1.24% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC | 225 WIRELESS BLVD 2ND FLOOR HAUPPAUGE, NY 11788 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $2K | $2K | 1.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF CONNECTICUT LLC | 185 ASYLUM ST HARTFORD, CT 06103 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $759 | $5K | 6.40% |
| YOURPFD CONSULTING LLC3 | 2500 WESTCHESTER AVENUE STE 401 PURCHASE, NY 10577 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 5.40% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF CONNECTICUT | 10 STATE HOUSE SQUARE FL 11 HARTFORD, CT 69019 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 3.72% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF CONNECTICUT | 10 STATE HOUSE SQUARE FL 11 HARTFORD, CT 69019 | STANDARD INSURANCE COMPANY | $3K | — | $3K | 5.50% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF CONNECTICUT LLC | PO BOX 414965 BOSTON, MA 022410001 | VISION SERVICE PLAN | $1K | — | $1K | 3.51% |
| YOUR PFO CONSULTING LLC3 | 2500 WESTCHESTER AVE STE 401 PURCHASE, NY 105772569 | VISION SERVICE PLAN | $232 | — | $232 | 0.58% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF CONNECTICUT LLC | 10 STATE HOUSE SQUARE FL11 HARTFORD, CT 06103 | STANDARD INSURANCE COMPANY | $2K | — | $2K | 5.42% |
| JOHN GILIBERTO3 Filed as: JOHN E HARDY | 10STATE HOUSE SQUARE HARTFORD, CT 06103 | HARTFORD LIFE AND ACCIDENT | $1K | — | $1K | 15.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF CT | PO BOX 414965 BOSTON, MA 02241 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $161 | — | $161 | 10.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| WILLIS OF CT - WILLIS HRH INSURANCE BROKER | Insurance agents and brokers Service code 22 | PO BOX 414965 BOSTON, MA 022410001 | $57K |
| YOURPFO CONSULTING LLC INSURANCE BROKER | Insurance agents and brokers Service code 22 | 2500 WESTCHESTER AVE STE 401 PURCHASE, NY 105772569 | $19K |
| PROFESSIONAL GROUP PLANS INC INSURANCE BROKER | Insurance agents and brokers Service code 22 | 225 WIRELESS BLVD 2ND FLOOR HAUPPAUGE, NY 11788 | $13K |
| CIGNA HEALTH AND LIFE INSURANCE CO | Named fiduciary; Other services; Claims processing; Direct payment from the plan; Non-monetary compensation; Participant communication; Float revenue; Contract Administrator Service code 12 | — | $0 |
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 | 107 | 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) | 107 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1 | $2K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 107 | $175K |
| Vision | VISION SERVICE PLAN | 109 | $40K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 106 | $107K |
| Short-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 106 | $128K |
| Long-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 106 | $123K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 108 | $85K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 109 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.