| 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 | $126K | — | $126K | 3.72% |
| 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 | — | $11K | 8.07% |
| BENEFITMALL3 | 1133 WESTCHESTER AVENUE SUITE 229 WHITE PLAINS, NY 10604 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | — | $7K | $7K | 5.00% |
| MJ INSURANCE3 Filed as: RICHARD PETERSON AND VARIOUS AGENTS | 14107 20TH AVE STE 507 WHITESTONE, NY 11357 | AFLAC | $3K | $62 | $3K | 5.24% |
| J G DENIVO CORP3 | 14 107 20TH AVE STE 102 WHITESTONE, NY 11357 | AFLAC | $723 | $371 | $1K | 2.06% |
| MARSH & MCLENNAN AGENCY LLC3 | 250 PEHLE AVE STE 400 SADDLE BROOK, NJ 07663 | AFLAC | $1K | — | $1K | 2.02% |
| ARTHUR B GOLDBERG3 | 1741 ACADEMY LANE HAVERTOWN, PA 19083 | AFLAC | $909 | — | $909 | 1.71% |
| TBA DEBBIE LEFF3 | 318 HUNTINGDON PIKE ROCKLEDGE, PA 19046 | AFLAC | $527 | — | $527 | 0.99% |
| ARTHUR B GOLDBERG3 | 1741 ACADEMY LN HAVERTOWN, PA 19083 | AFLAC | $490 | — | $490 | 0.92% |
| J G DENIVO CORP3 | 14107 20TH AVE STE 102 WHITESTONE, NY 11357 | AFLAC | $408 | — | $408 | 0.77% |
| MARSH & MCLENNAN AGENCY LLC3 | 350 MADISON AVE FL 7 NEW YORK, NY 10017 | AFLAC | $950 | — | $950 | 4.02% |
| JASON G DENIVO3 | 14 107 20TH AVE STE 102 WHITESTONE, NY 11357 | AFLAC | $780 | — | $780 | 3.30% |
| BRIEN C SABELLA3 | 116 COOK RD PROSPECT, CT 06712 | AFLAC | $451 | — | $451 | 1.91% |
| MJ INSURANCE3 Filed as: JAMES S BURNS AND VARIOUS AGENTS | 11 OVERHILL RD FAIRFIELD, CT 06824 | AFLAC | $385 | — | $385 | 1.63% |
| RICHARD PETERSON3 Filed as: RICHARD D PETERSON | 14107 20TH AVE STE 507 WHITESTONE, NY 11357 | AFLAC | $306 | — | $306 | 1.29% |
| JASON G DENIVO3 | 14107 20TH AVE STE 102 WHITESTONE, NY 11357 | AFLAC | $287 | — | $287 | 1.21% |
| THE LEFF COMPANY INC3 | 318 HUNTINGDON PIKE ROCKLEDGE, PA 19046 | AFLAC | $159 | — | $159 | 0.67% |
| PAUL S MANNA JR3 | 201 WASHINGTON AVE PLEASANTVILLE, NY 10570 | AFLAC | $229 | — | $229 | 2.54% |
| DOUGLAS JOSEPH CUMMINGS3 | 154 VOSS AVE FL 1 YONKERS, NY 10703 | AFLAC | $91 | — | $91 | 1.01% |
| MJ INSURANCE3 Filed as: JASON HARTMAN & VARIOUS AGENTS | 225 DOLSON AVE STE 304 MIDDLETOWN, NY 10940 | AFLAC | $75 | — | $75 | 0.83% |
| KOBER ASSOCIATES LLC3 | 14107 20TH AVE STE 507 WHITESTONE, NY 11357 | AFLAC | $67 | — | $67 | 0.74% |
| RANDI E RIVA3 | 340 W PALMETTO PARK RD UNIT 504B BOCA RATON, FL 33432 | AFLAC | $65 | — | $65 | 0.72% |
| MCINERNEY GROUP LLC3 | 580 WHITE PLAINS RD STE 115 TARRYTOWN, NY 10591 | AFLAC | $40 | — | $40 | 0.44% |
| ROCO SOLUTIONS LLC3 | 52 SUSAN DR NEWBURGH, NY 12550 | AFLAC | $24 | — | $24 | 0.27% |
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 | 234 | 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) | 234 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 231 | $3.4M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 231 | $3.4M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 231 | $3.4M |
| Life insurance(2 contracts, 2 carriers) | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | 234 | $188K |
| Short-term disability(4 contracts, 2 carriers) | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | 234 | $221K |
| Long-term disability | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | 234 | $135K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 231 | $3.4M |
| Other(4 contracts, 2 carriers) | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | 234 | $221K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 234 | — |
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."
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.