| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NY INC | 1133 WESTCHESTER AVE WHITE PLAINS, NY 10604 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $13K | $2K | $16K | 5.28% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NY DBA OPUS ADV. | 1133 WESTCHESTER AVENUE SUITE N136 WHITE PLAINS, NY 10604 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $11K | $989 | $12K | 5.42% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC. | 225 WIRELESS BLVD 2ND FLOOR HAUPPAUGE, NY 11788 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $10K | $10K | 4.34% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NY | 1133 WESTCHESTER AVENUE STE N-136 WHITE PLAINS, NY 10604 | VISION SERVICE PLAN | $2K | — | $2K | 3.52% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NY | 1133 WESTCHESTER AVE SUITE N-136 HARRISON, NY 10604 | HARTFORD LIFE AND ACCIDENT | $2K | — | $2K | 15.00% |
| CRUMP LIFE INSURANCE SERVICES3 Filed as: CRUMP LIFE INSURANCE SERVICES INC. | 4135 N FRONT STREET HARRISBURG, PA 17110 | STANDARD INSURANCE COMPANY | $5K | $634 | $6K | 78.92% |
| RUSSELL J CARPENTIERI3 | 800 WESTCHESTER AVENUE SUITE N409 RYE BROOK, NY 10573 | STANDARD INSURANCE COMPANY | $5K | — | $5K | 63.01% |
| BRANCA-RAMPART AGENCY INC3 | 2005 S EASTON RD STE 202 DOYLESTOWN, PA 18901 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 15.51% |
| MARK BAKER/THE BAKER BENEFIT GROUP3 Filed as: MARK BAKER - BAKER BENEFIT GROUP | 170 US ROUTE 1 STE 150 FALMOUTH, ME 04105 | STANDARD INSURANCE COMPANY | $358 | — | $358 | 4.85% |
| CHERA S GERSTEIN3 | 10 STATE HOUSE SQUARE FL11 HARTFORD, CT 06103 | STANDARD INSURANCE COMPANY | $299 | — | $299 | 4.05% |
| SILAS MILNE WARNER3 | 185 ASYLUM ST 25TH FL HARTFORD, CT 06103 | STANDARD INSURANCE COMPANY | $191 | — | $191 | 2.59% |
| JENNIFER L FIORITO3 | 2005 S EASTON RD STE 202 DOYLESTOWN, PA 18901 | STANDARD INSURANCE COMPANY | $138 | — | $138 | 1.87% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NY | 1133 WESTCHESTER AVENUE SUITE N136 WHITE PLAINS, NY 10604 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $472 | — | $472 | 9.99% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| 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 | $98K |
| PROFESSIONAL GROUP PLANS INC INSURANCE BROKER | Insurance agents and brokers Service code 22 | 225 WIRELESS BLVD 2ND FLOOR HAUPPAUGE, NY 11788 | $65K |
| CIGNA HEALTH AND LIFE INSURANCE CO | Contract Administrator; Direct payment from the plan; Claims processing; Other services; Participant communication; Named fiduciary; Non-monetary compensation; Float revenue 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 | 138 | 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) | 141 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1 | $5K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 146 | $223K |
| Vision | VISION SERVICE PLAN | 144 | $55K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 138 | $295K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 138 | $295K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 138 | $295K |
| Other(3 contracts, 3 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 138 | $313K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 146 | — |
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.