| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 250 PEHLE AVENUE SUITE 400 SADDLE BROOK, NJ 07663 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $119K | — | $119K | 4.20% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 250 PEHLE AVENUE SUITE 400 SADDLE BROOK, NJ 07663 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $11K | $5K | $15K | 12.99% |
| BENEFITMALL3 | 1133 WESTCHESTER AVENUE SUITE 229 WHITE PLAINS, NY 10604 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | — | $6K | $6K | 4.72% |
| MJ INSURANCE3 Filed as: RICHARD PETERSON AND VARIOUS AGENTS | 14107 20TH AVE STE 507 WHITESTONE, NY 11357 | AFLAC | $3K | $29 | $3K | 4.87% |
| J G DENIVO CORP3 | 14 107 20TH AVE STE 102 WHITESTONE, NY 11357 | AFLAC | $2K | — | $2K | 3.89% |
| ARTHUR B GOLDBERG3 | 1741 ACADEMY LANE HAVERTOWN, PA 19083 | AFLAC | $1K | — | $1K | 2.66% |
| DOUGLAS JOSEPH CUMMINGS3 | 154 VOSS AVE FL 1 YONKERS, NY 10703 | AFLAC | $1K | $147 | $1K | 2.48% |
| CORPORATE CONSULTING SERVICES3 Filed as: CORPORATE CONSULTING SERVICES LTD | 605 THIRD AVENUE NEW YORK, NY 10158 | AFLAC | $1K | — | $1K | 2.34% |
| PAUL S MANNA JR3 | 201 WASHINGTON AVE PLEASANTVILLE, NY 10570 | AFLAC | $496 | $29 | $525 | 0.98% |
| TBA DEBBIE LEFF3 | 318 HUNTINGDON PIKE ROCKLEDGE, PA 19046 | AFLAC | $518 | — | $518 | 0.97% |
| MARSH & MCLENNAN AGENCY LLC3 | 350 MADISON AVE FL 7 NEW YORK, NY 10017 | AFLAC | $2K | — | $2K | 12.85% |
| JASON G DENIVO3 | 14 107 20TH AVE STE 102 WHITESTONE, NY 11357 | AFLAC | $2K | — | $2K | 12.10% |
| RICHARD PETERSON3 Filed as: RICHARD D PETERSON | 14107 20TH AVE STE 507 WHITESTONE, NY 11357 | AFLAC | $518 | — | $518 | 3.09% |
| BRIEN C SABELLA3 | 116 COOK RD PROSPECT, CT 06712 | AFLAC | $336 | — | $336 | 2.00% |
| MJ INSURANCE3 Filed as: JAMES S BURNS AND VARIOUS AGENTS | PO BOX 1079 SOUTHPORT, CT 06890 | AFLAC | $238 | — | $238 | 1.42% |
| THE LEFF COMPANY INC3 | 318 HUNTINGDON PIKE ROCKLEDGE, PA 19046 | AFLAC | $118 | — | $118 | 0.70% |
| DOUGLAS JOSEPH CUMMINGS3 Filed as: DOUGLAS J CUMMINGS | 154 VOSS AVE FL 1 YONKERS, NY 10703 | AFLAC | $49 | — | $49 | 0.29% |
| PAUL S MANNA JR3 | 201 WASHINGTON AVE PLEASANTVILLE, NY 10570 | AFLAC | $260 | $7 | $267 | 2.84% |
| DOUGLAS JOSEPH CUMMINGS3 | 154 VOSS AVE FL 1 YONKERS, NY 10703 | AFLAC | $214 | $36 | $250 | 2.66% |
| MJ INSURANCE3 Filed as: JOSHUA K HOPPE & VARIOUS AGENTS | 85076 MAJESTIC WALK CIR FERNANDINA BEACH, FL 32034 | AFLAC | $68 | $7 | $75 | 0.80% |
| KOBER ASSOCIATES LLC3 | 14107 20TH AVE STE 507 WHITESTONE, NY 11357 | AFLAC | $72 | — | $72 | 0.77% |
| RANDI E RIVA3 | 340 W PALMETTO PARK RD UNIT 504B BOCA RATON, FL 33432 | AFLAC | $68 | — | $68 | 0.72% |
| MCINERNEY GROUP LLC3 | 580 WHITE PLAINS RD STE 115 TARRYTOWN, NY 10591 | AFLAC | $42 | — | $42 | 0.45% |
| ROCO SOLUTIONS LLC3 | 52 SUSAN DR NEWBURGH, NY 12550 | AFLAC | $41 | — | $41 | 0.44% |
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 | 207 | 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) | 207 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 219 | $2.8M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 219 | $2.8M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 219 | $2.8M |
| Life insurance(2 contracts, 2 carriers) | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | 231 | $173K |
| Short-term disability(4 contracts, 2 carriers) | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | 231 | $199K |
| Long-term disability | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | 231 | $119K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 219 | $2.8M |
| Other(4 contracts, 2 carriers) | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | 231 | $199K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 231 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.