| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LUMITY, INC.3 Filed as: LUMITY INC | 71 EAST 3RD AVENUE SAN MATEO, CA 94401 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $11K | $149K | $160K | 4.88% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC | 225 WIRELESS BOULEVARD, 2ND FLOOR HAUPPAUGE, NY 11788 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $8K | $8K | 0.23% |
| YOURPFO CONSULTING LLC3 Filed as: YOURPFO CONSULTING, LLC | 1133 WESTCHESTER AVENUE SUITE N-136 WHITE PLAINS, NY 10604 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $219 | $219 | 0.01% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK | 1133 WESTCHESTER AVENUE SUITE N136 WHITE PLAINS, NY 10604 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $549 | $0 | $549 | 5.97% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC | 225 WIRELESS BOULEVARD, 2ND FLOOR HAUPPAUGE, NY 11788 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $0 | $460 | $460 | 5.00% |
| LUMITY, INC.3 Filed as: LUMITY INC | 71 EAST 3RD AVENUE SAN MATEO, CA 94401 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $277 | $14 | $291 | 3.16% |
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 | 340 | 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) | 340 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 423 | $3.3M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 423 | $3.3M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 423 | $3.3M |
| Life insurance | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | 340 | $9K |
| Short-term disability | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | 340 | $9K |
| Long-term disability | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | 340 | $9K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 423 | $3.3M |
| Other(2 contracts, 2 carriers) | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | 435 | $18K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 435 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.