| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JASON LAUTER3 | 1 PENN PLAZA #410 NEW YORK, NY 10119 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $77K | $77K | 4.92% |
| GREATER METRO AGENCY INC3 | 1000 WOODBURY ROAD SUITE 403 WOODBURY, NY 11797 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $31K | $31K | 2.00% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $10K | $10K | 0.63% |
| INSUREYOURPEOPLE, LLC3 Filed as: INSUREYOURPEOPLE LLC | 40 EAST RIO SALADO PARKWAY #900 TEMPE, AZ 85281 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | -$5K | -$5K | -0.31% |
| FNA INSURANCE SERVICES INC3 | 180 RIVER ROAD 2ND FLOOR SUMMIT, NJ 07901 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $13K | $408 | $13K | 11.03% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SUITE 1950 ATLANTA, GA 30339 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | -$106 | — | -$106 | -0.09% |
| FNA INSURANCE SERVICES INC3 Filed as: FNA INSURANCE SERVICES, INC-EB | 1000 WOODBURY ROAD SUITE 403 WOODBURY, NY 11797 | MUTUAL OF OMAHA INSURANCE COMPANY | $4K | $2K | $6K | 20.76% |
| FNA INSURANCE SERVICES INC3 Filed as: FNA INSURANCE SERVICES, INC-EB | 1000 WOODBURY ROAD SUITE 403 WOODBURY, NY 11797 | MUTUAL OF OMAHA INSURANCE COMPANY | $4K | $2K | $6K | 20.78% |
| FNA INSURANCE SERVICES INC3 Filed as: FNA INSURANCE SERVICES, INC-EB | 1000 WOODBURY ROAD SUITE 403 WOODBURY, NY 11797 | COMPANION LIFE INSURANCE COMPANY | $898 | $389 | $1K | 21.50% |
| FNA INSURANCE SERVICES INC3 Filed as: FNA INSURANCE SERVICES, INC-EB | 1000 WOODBURY ROAD SUITE 403 WOODBURY, NY 11797 | COMPANION LIFE INSURANCE COMPANY | $898 | $389 | $1K | 21.50% |
| FNA INSURANCE SERVICES INC3 Filed as: FNA INSURANCE SERVICES, INC. - EB | 1000 WOODBURY ROAD SUITE 403 WOODBURY, NY 11797 | MUTUAL OF OMAHA INSURANCE COMPANY | $299 | $130 | $429 | 21.50% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SOUTHEAST SUITE 1950 ATLANTA, GA 30339 | COMPANION LIFE INSURANCE COMPANY | — | $309 | $309 | 16.09% |
| FNA INSURANCE SERVICES INC3 Filed as: FNA INSURANCE SERVICES, INC-EB | 1000 WOODBURY ROAD SUITE 403 WOODBURY, NY 11797 | COMPANION LIFE INSURANCE COMPANY | $288 | — | $288 | 15.00% |
| FNA INSURANCE SERVICES INC3 Filed as: FNA INSURANCE SERVICES, INC-EB | 1000 WOODBURY ROAD SUITE 403 WOODBURY, NY 11797 | MUTUAL OF OMAHA INSURANCE COMPANY | $51 | — | $51 | 15.13% |
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PARKWAY SOUTHEAST SUITE 1950 ATLANTA, GA 30339 | MUTUAL OF OMAHA INSURANCE COMPANY | — | $24 | $24 | 7.12% |
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 | 150 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 152 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 162 | $1.6M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 136 | $122K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 136 | $122K |
| Life insurance(4 contracts, 2 carriers) | COMPANION LIFE INSURANCE COMPANY | 123 | $16K |
| Short-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 123 | $28K |
| Long-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 123 | $28K |
| Other(4 contracts, 2 carriers) | COMPANION LIFE INSURANCE COMPANY | 123 | $10K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 162 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.