| 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 | — | $57K | $57K | 4.51% |
| 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 | — | -$145 | -$145 | -0.01% |
| MCDERMOTT & THOMAS ASSOCIATES3 | 1000 SOUTH AVENUE SUITE 101 STATEN ISLAND, NY 10314 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $5K | — | $5K | 6.92% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BOULEVARD 2ND FLOOR HAUPPAUGE, NY 11788 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | — | $3K | $3K | 3.96% |
| MCDERMOTT & THOMAS ASSOCIATES3 Filed as: MCDERMOTT & THOMAS ASSOCIATES, LLC | 1000 SOUTH AVENUE STATEN ISLAND, NY 10314 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $2K | $1K | $3K | 13.19% |
| MCDERMOTT & THOMAS ASSOCIATES3 Filed as: MCDERMOTT & THOMAS ASSOCIATES, LLC | 1000 SOUTH AVENUE STATEN ISLAND, NY 10314 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $3K | $1K | $4K | 18.09% |
| MCDERMOTT & THOMAS ASSOCIATES3 Filed as: MCDERMOTT & THOMAS ASSOCIATES, LLC | 1000 SOUTH AVENUE STATEN ISLAND, NY 10314 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $2K | $749 | $2K | 15.03% |
| KEVIN M SMITH3 | 4065 REDBUD CIRCLE DOYLESTOWN, PA 18902 | AFLAC | $357 | — | $357 | 4.00% |
| WILLIAM JOHNSON3 | 471 WATERFORDS EDGE COURT ATCO, NJ 08004 | AFLAC | $261 | — | $261 | 2.92% |
| BARBARA DALE SMITH3 | 4065 REDBUD CIRCLE DOYLESTOWN, PA 18902 | AFLAC | $145 | — | $145 | 1.62% |
| CAESAR D WILLIAMS JR3 | 123 SOUTH BROAD STREET SUITE 1640 PHILADELPHIA, PA 19109 | AFLAC | $80 | — | $80 | 0.90% |
| CECILIA K WILLIAMS3 | 1429 WALNUT STREET SUITE 601 PHILADELPHIA, PA 19102 | AFLAC | $74 | — | $74 | 0.83% |
| JEAN ANN SCHINDELHEIM3 | 554 DEW POINT AVENUE CARLSBAD, CA 92011 | AFLAC | $72 | — | $72 | 0.81% |
| ERIC R MACDOUGALL3 | 1 NESHAMINY INTERPLEX SUITE 201 TREVOSE, PA 19053 | AFLAC | $59 | — | $59 | 0.66% |
| JOSE A SCHIENEMAN3 | 1020 NORTH DELAWARE AVENUE SUITE 4 PHILADELPHIA, PA 19125 | AFLAC | $47 | — | $47 | 0.53% |
| EXSEPTIONAL SERVICES INC3 | 158 PRINTERS LANE NEW LONDON, NC 28127 | AFLAC | $25 | — | $25 | 0.28% |
| AILEEN KEENAN3 | 9603 NORTHWEST 36TH COURT CORAL SPRINGS, FL 33065 | AFLAC | $23 | — | $23 | 0.26% |
| LAD FINANCIAL CORP3 | 3800 NORTH OCEAN DRIVE APARTMENT 1450 SINGER ISLAND, FL 33404 | AFLAC | $20 | — | $20 | 0.22% |
| MATTHEW G BERGER3 | 22 SUNNYRIDGE ROAD PHILADELPHIA, PA 19125 | AFLAC | $16 | — | $16 | 0.18% |
| GEOFFREY MALAIS3 Filed as: GEOFFREY MALAJS | 16800 DEVONSHIRE STREET SUITE 220 GRANADA HILLS, CA 91344 | AFLAC | $13 | — | $13 | 0.15% |
| RND FINANCIAL ASSOCIATES INC3 | 12103 SOUTHWEST BAYBERRY AVENUE PORT ST LUCIE, FL 34987 | AFLAC | $9 | — | $9 | 0.10% |
| JOSEPH A BUZZELLO3 | 9018 BALBOA BOULEVARD SUITE 254 NORTHRIDGE, CA 91325 | AFLAC | $7 | — | $7 | 0.08% |
| JOSE A SCHIENEMAN3 | 1020 NORTH DELAWARE AVENUE 4TH FLOOR PHILADELPHIA, PA 19125 | AFLAC | $4 | — | $4 | 0.04% |
| C HUDSON AND ASSOCIATES3 | 2543 TWIN PINE ROAD THOMSON, GA 30824 | AFLAC | $4 | — | $4 | 0.04% |
| ANGELA MASSARELLI3 | 30 WATERFRONT WAY HAMMONTON, NJ 08037 | AFLAC | $2 | — | $2 | 0.02% |
| LAURIE L SMITH3 | 577 TRUESDALE HILL ROAD LAKE GEORGE, NY 12845 | AFLAC | $1 | — | $1 | 0.01% |
| RYAN K GOLDBERG3 | 103 CHURCH STREET SUITE 3 PHILADELPHIA, PA 19106 | AFLAC | $1 | — | $1 | 0.01% |
| DEBORAH S GOLDEN3 Filed as: DEBORAH L POPPERT | 1762 MIDDLETOWN ROAD GLEN MILLS, PA 17112 | AFLAC | $1 | — | $1 | 0.01% |
| MCDERMOTT & THOMAS ASSOCIATES3 Filed as: MCDERMOTT & THOMAS ASSOCIATES, LLC | 1000 SOUTH AVENUE STATEN ISLAND, NY 10314 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $201 | $84 | $285 | 16.53% |
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 | 120 | 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) | 120 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 103 | $1.3M |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 105 | $86K |
| Vision | AFLAC | 9 | $9K |
| Life insurance(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 121 | $24K |
| Short-term disability(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 121 | $35K |
| Long-term disability | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 121 | $21K |
| Other(3 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 121 | $26K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 121 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.