| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCDERMOTT & THOMAS ASSOCIATES3 Filed as: MCDERMOTT & THOMAS ASSOC LLC | 1000 SOUTH AVENUE SUITE 101 STATEN ISLAND, NY 10314 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $37K | $37K | 2.93% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS LLC | 225 WIRELESS BLVD 2ND FLOOR HAUPPAUGE, NY 11788 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $25K | $25K | 2.00% |
| MCDERMOTT & THOMAS ASSOCIATES3 Filed as: MCDERMOTT & THOMAS ASSOCIATION LLC | 1000 SOUTH AVENUE STATEN ISLAND, NY 10314 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $20K | $20K | 1.57% |
| MCDERMOTT & THOMAS ASSOCIATES3 | 1000 SOUTH AVENUE STATEN ISLAND, NY 10314 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $4K | — | $4K | 4.69% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BOULEVARD 2ND FLOOR HAUPPAUGE, NY 11788 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $3K | $3K | 3.96% |
| MCDERMOTT & THOMAS ASSOCIATES3 Filed as: MCDERMOTT & THOMAS ASSOCIATION LLC | 1000 SOUTH AVENUE SUITE 101 STATEN ISLAND, NY 10314 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $2K | — | $2K | 2.24% |
| KEVIN M SMITH3 | 4065 REDBUD CIRCLE DOYLESTOWN, PA 18902 | AFLAC | $672 | $50 | $722 | 7.70% |
| BARBARA DALE SMITH3 | 4065 REDBUD CIRCLE DOYLESTOWN, PA 18902 | AFLAC | $166 | — | $166 | 1.77% |
| CAESAR D WILLIAMS JR3 | 123 SOUTH BROAD STREET SUITE 1640 PHILADELPHIA, PA 19109 | AFLAC | $132 | $10 | $142 | 1.52% |
| CECILIA K WILLIAMS3 | 1429 WALNUT STREET SUITE 601 PHILADELPHIA, PA 19102 | AFLAC | $81 | — | $81 | 0.86% |
| JEAN ANN SCHINDELHEIM3 | 554 DEWPOINT AVENUE CARLSBAD, CA 92011 | AFLAC | $78 | — | $78 | 0.83% |
| ERIC R MACDOUGALL3 | ONE NESHAMINY INTERPLEX SUITE 201 TREVOSE, PA 19053 | AFLAC | $68 | — | $68 | 0.73% |
| JOSE A SCHIENEMAN3 | 1020 NORTH DELAWARE AVENUE 4TH FLOOR PHILADELPHIA, PA 19125 | AFLAC | $58 | — | $58 | 0.62% |
| EXSEPTIONAL SERVICES INC3 Filed as: EXSEPTIONAL SERVICE INC | 158 PRINTERS LANE NEW LONDON, NC 28127 | AFLAC | $29 | — | $29 | 0.31% |
| AILEEN KEENAN3 | 9603 NORTHWEST 36TH COURT CORAL SPRINGS, FL 33065 | AFLAC | $25 | — | $25 | 0.27% |
| L A D FINANCIAL CORP3 Filed as: L A D FINANCIAL CORPORATION | 605 HERMITAGE CIRCLE PALM BEACH GARDENS, FL 33410 | AFLAC | $22 | — | $22 | 0.23% |
| MATTHEW G BERGER3 | 22 SUNNYRIDGE ROAD PHILADELPHIA, PA 19125 | AFLAC | $16 | — | $16 | 0.17% |
| GEOFFREY MALAIS3 | 16800 DEVONSHIRE STREET SUITE 220 GRANADA HILLS, CA 91344 | AFLAC | $15 | — | $15 | 0.16% |
| RND FINANCIAL ASSOCIATES INC3 | 12103 SOUTHWEST BAYBERRY AVENUE PORT ST LUCIE, FL 34987 | AFLAC | $9 | — | $9 | 0.10% |
| JOSEPH A BUZZELLO3 | 9018 BALBOA BOULEVARD STE 254 NORTHRIDGE, CA 91325 | AFLAC | $7 | — | $7 | 0.07% |
| C HUDSON AND ASSOCIATES3 | 2843 TWIN PINE ROAD THOMSON, GA 30824 | AFLAC | $4 | — | $4 | 0.04% |
| MATTHEW G BERGER3 | 1020 NORTH DELAWARE AVENUE SUITE 4 PHILADELPHIA, PA 19125 | AFLAC | $1 | — | $1 | 0.01% |
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 | 117 | 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) | 117 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 88 | $1.3M |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 94 | $87K |
| Vision | AFLAC | 8 | $9K |
| Life insurance(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 117 | $23K |
| Short-term disability(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 117 | $34K |
| Long-term disability | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 117 | $20K |
| Other(3 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 117 | $25K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 117 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.