| 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 | $140K | — | $140K | 3.73% |
| 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 | 8.25% |
| BENEFITMALL3 | 1133 WESTCHESTER AVENUE SUITE 229 WHITE PLAINS, NY 10604 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | — | $6K | $6K | 5.00% |
| MJ INSURANCE3 Filed as: WILLIAM P HILL AND VARIOUS AGENTS | 14107 20TH AVE STE 507 WHITESTONE, NY 11357 | AFLAC | $2K | $88 | $2K | 4.76% |
| MARSH & MCLENNAN AGENCY LLC3 | 250 PEHLE AVE STE 400 SADDLE BROOK, NJ 07663 | AFLAC | $1K | — | $1K | 2.98% |
| ARTHUR B GOLDBERG3 | 1741 ACADEMY LN HAVERTOWN, PA 19083 | AFLAC | $1K | — | $1K | 2.37% |
| J G DENIVO CORP3 | 14 107 20TH AVE STE 102 WHITESTONE, NY 11357 | AFLAC | $913 | $33 | $946 | 2.20% |
| TBA DEBBIE LEFF3 | 318 HUNTINGDON PIKE ROCKLEDGE, PA 19046 | AFLAC | $388 | — | $388 | 0.90% |
| RICHARD PETERSON3 | 14107 20TH AVE STE 507 WHITESTONE, NY 11357 | AFLAC | $264 | $20 | $284 | 0.66% |
| ERIC R MACDOUGALL3 Filed as: ERIC MACDOUGALL | 5904 MARGARETS WAY NEW HOPE, PA 18938 | AFLAC | $283 | — | $283 | 0.66% |
| JASON G DENIVO3 | 14 107 20TH AVE STE 102 WHITESTONE, NY 11357 | AFLAC | $597 | — | $597 | 3.20% |
| MARSH & MCLENNAN AGENCY LLC3 | 350 MADISON AVE FL 7 NEW YORK, NY 10017 | AFLAC | $457 | — | $457 | 2.45% |
| BRIEN C SABELLA3 | 116 COOK RD PROSPECT, CT 06712 | AFLAC | $326 | — | $326 | 1.75% |
| THE HORTON GROUP3 Filed as: ALEX HORTON AND VARIOUS AGENTS | 4 ARMSTRONG RD SHELTON, CT 06484 | AFLAC | $229 | — | $229 | 1.23% |
| RICHARD PETERSON3 Filed as: RICHARD D PETERSON | 14107 20TH AVE STE 507 WHITESTONE, NY 11357 | AFLAC | $185 | — | $185 | 0.99% |
| THE LEFF COMPANY INC3 | 318 HUNTINGDON PIKE ROCKLEDGE, PA 19046 | AFLAC | $115 | — | $115 | 0.62% |
| JAMES S BURNS3 | 11 OVERHILL RD FAIRFIELD, CT 06824 | AFLAC | $64 | — | $64 | 0.34% |
| DOUGLAS JOSEPH CUMMINGS3 | 154 VOSS AVE FL 1 YONKERS, NY 10703 | AFLAC | $274 | — | $274 | 2.84% |
| PAUL S MANNA JR3 | 201 WASHINGTON AVE PLEASANTVILLE, NY 10570 | AFLAC | $243 | — | $243 | 2.52% |
| KOBER ASSOCIATES LLC3 | 14107 20TH AVE STE 507 WHITESTONE, NY 11357 | AFLAC | $71 | — | $71 | 0.74% |
| RANDI E RIVA3 | 340 W PALMETTO PARK RD UNIT 504B BOCA RATON, FL 33432 | AFLAC | $70 | — | $70 | 0.73% |
| MJ INSURANCE3 Filed as: JASON HARTMAN & VARIOUS AGENTS | 225 DOLSON AVE STE 304 MIDDLETOWN, NY 10940 | AFLAC | $63 | — | $63 | 0.65% |
| ROCO SOLUTIONS LLC3 | 52 SUSAN DR NEWBURGH, NY 12508 | AFLAC | $45 | — | $45 | 0.47% |
| MCINERNEY GROUP LLC3 | 580 WHITE PLAINS RD STE 115 TARRYTOWN, NY 10591 | AFLAC | $43 | — | $43 | 0.45% |
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 | 229 | 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) | 229 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 213 | $3.8M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 213 | $3.8M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 213 | $3.8M |
| Life insurance(2 contracts, 2 carriers) | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | 229 | $171K |
| Short-term disability(4 contracts, 2 carriers) | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | 229 | $199K |
| Long-term disability | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | 229 | $128K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 213 | $3.8M |
| Other(4 contracts, 2 carriers) | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | 229 | $199K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 229 | — |
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.