| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STERLING AND STERLING, INC.3 | 135 CROSSWAYS PARK DRIVE, SUITE 300 WOODBURY, NY 11797 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $76K | — | $76K | 3.25% |
| HEALTHY BUSINESS GROUP LLC3 | 34 BAY STREET HARBOUR, NY 11963 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $33K | $33K | 1.41% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP, INC | 80 SO. 8TH ST., STE 700 MINNEAPOLIS, MN 55402 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $31K | — | $31K | 1.34% |
| STERLING AND STERLING, INC.3 Filed as: STERLING & STERLING | 135 CROSSWAYS PARK DR WOODBURY, NY 11797 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $2K | — | $2K | 3.11% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP, INC | 80 SO. 8TH ST., STE 700 MINNEAPOLIS, MN 55402 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $155 | — | $155 | 0.28% |
| STERLING AND STERLING, INC.3 Filed as: STERLING & STERLING INC | 135 CROSSWAYS PARK DR WOODBURY, NY 11797 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $2K | — | $2K | 4.22% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP, INC | 80 SO. 8TH ST., STE 700 MINNEAPOLIS, MN 55402 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $427 | — | $427 | 1.11% |
| STERLING AND STERLING, INC.3 | 135 CROSSWAYS PARK DRIVE, SUITE 300 WOODBURY, NY 11797 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $1K | — | $1K | 4.51% |
| HAYS COMPANIES, INC.3 Filed as: THE HAYS GROUP, INC | 80 SO. 8TH ST., STE 700 MINNEAPOLIS, MN 55402 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $406 | — | $406 | 1.39% |
| STERLING AND STERLING, INC.3 Filed as: STERLING & STERLING INC | 135 CROSSWAYS PARK DR WOODBURY, NY 11797 | CIGNA LIFE INSURANCE COMPANY CO. OF NEW YORK | $389 | — | $389 | 8.72% |
| THE GAYS GROUP, INC3 | 80 SO. 8TH ST., STE 700 MINNEAPOLIS, MN 55402 | CIGNA LIFE INSURANCE COMPANY CO. OF NEW YORK | $146 | — | $146 | 3.27% |
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 | 310 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 313 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 205 | $2.3M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 205 | $2.3M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 205 | $2.3M |
| Life insurance | CIGNA LIFE INSURANCE CO. OF NEW YORK | 310 | $29K |
| Short-term disability | CIGNA LIFE INSURANCE CO. OF NEW YORK | 310 | $39K |
| Long-term disability | CIGNA LIFE INSURANCE CO. OF NEW YORK | 310 | $56K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 205 | $2.3M |
| Other | CIGNA LIFE INSURANCE COMPANY CO. OF NEW YORK | 310 | $4K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 310 | — |
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."
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.