| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FIDUCIARY INTERMEDIARY LTD3 Filed as: FIDUCIARY INTERMEDIARY LTD. | 370 LEXINGTON AVENUE SUITE 703 NEW YORK, NY 10017 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | — | $37K | $37K | 1.98% |
| CHRISTIAN PETER3 Filed as: CHRISTIAN J PETER | THE COMPETITIVE ADVANTAGE 54 BROAD STREET SUITE 200 RED BANK, NJ 07701 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $5K | $29K | $34K | 1.85% |
| DOMENIC DIPIERO3 | 12 BROAD STREET 5TH FLOOR RED BANK, NJ 07701 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $5K | $25K | $30K | 1.61% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC | 225 WIRELESS BOULEVARD 2ND FLOOR HAUPPAUGE, NY 11788 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | — | $2K | $2K | 0.13% |
| PATRICK F MCDERMOTT3 | 1000 SOUTH AVENUE SUITE 101 STATEN ISLAND, NY 10314 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | — | -$304 | -$304 | -0.02% |
| CHRISTIAN PETER3 Filed as: CHRISTIAN J PETER | THE COMPETITIVE ADVANTAGE 54 BROAD STREET SUITE 200 RED BANK, NJ 07701 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 14.37% |
| FIDUCIARY INTERMEDIARY LTD3 | 370 LEXINGTON AVENUE ROOM 703 NEW YORK, NY 10017 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $858 | $858 | 5.00% |
| CHRISTIAN PETER3 Filed as: CHRISTIAN J PETER | THE COMPETITIVE ADVANTAGE 54 BORAD STREET SUITE 200 RED BANK, NJ 07701 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 10.00% |
| FIDUCIARY INTERMEDIARY LTD3 | 370 LEXINGTON AVENUE ROOM 703 NEW YORK, NY 10017 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $620 | $620 | 5.00% |
| CHRISTIAN PETER3 Filed as: CHRISTIAN J PETER | THE COMPETITIVE ADVANTAGE 54 BROAD STREET SUITE 200 RED BANK, NJ 07701 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 11.05% |
| FIDUCIARY INTERMEDIARY LTD3 | 370 LEXINGTON AVENUE ROOM 703 NEW YORK, NY 10017 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $617 | $617 | 5.00% |
| CHRISTIAN PETER3 Filed as: CHRISTIAN J PETER | THE COMPETITIVE ADVANTAGE 54 BROAD STREET SUITE 200 RED BANK, NJ 07701 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $125 | — | $125 | 12.01% |
| FIDUCIARY INTERMEDIARY LTD3 | 370 LEXINGTON AVENUE ROOM 703 NEW YORK, NY 10017 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $52 | $52 | 5.00% |
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 | 90 | 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) | 90 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 160 | $1.9M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 160 | $1.9M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 160 | $1.9M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 198 | $12K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 198 | $12K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 198 | $17K |
| Other(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 198 | $13K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 198 | — |
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.