| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCDERMOTT & THOMAS ASSOCIATES3 Filed as: MCDERMOTT & THOMAS ASSOC LLC | 1200 SOUTH AVENUE SUITE 302 STATEN ISLAND, NY 10314 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $61K | — | $61K | 4.12% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS LLC | 225 WIRELESS BLVD 2ND FLOOR HAUPPAUGE, NY 11788 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $30K | $30K | 2.00% |
| MCDERMOTT & THOMAS ASSOCIATES3 | 1200 SOUTH AVENUE SUITE 302 STATEN ISLAND, NY 10314 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $6K | — | $6K | 6.93% |
| 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 | $4K | 13.08% |
| 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 | 17.89% |
| MCDERMOTT & THOMAS ASSOCIATES3 Filed as: MCDERMOTT & THOMAS ASSOCIATES, LLC | 1000 SOUTH AVENUE STATEN ISLAND, NY 10314 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $2K | $726 | $2K | 15.13% |
| WILLIAM JOHNSON3 | 471 WATERFORDS EDGE COURT ATCO, NJ 08004 | AFLAC | $529 | $75 | $604 | 5.81% |
| KEVIN M SMITH3 | 4065 REDBUD CIRCLE DOYLESTOWN, PA 18902 | AFLAC | $237 | — | $237 | 2.28% |
| BARBARA DALE SMITH3 | 3049 DORCHESTER STREET EAST SUITE 109 FURLONG, PA 18925 | AFLAC | $143 | — | $143 | 1.37% |
| KEVIN M SMITH3 | 3049 DORCHESTER STREET EAST SUITE 109 FURLONG, PA 18925 | AFLAC | $138 | — | $138 | 1.33% |
| JOSE A SCHIENEMAN3 | 1881 SOUTH CARRIAGE LANE CHANDLER, AZ 85286 | AFLAC | $89 | $13 | $102 | 0.98% |
| CAESAR D WILLIAMS JR3 | 325 CHESTNUT STREET 8TH FLOOR PHILADELPHIA, PA 19102 | AFLAC | $88 | — | $88 | 0.85% |
| CECILIA K WILLIAMS3 | 1429 WALNUT STREET SUITE 601 PHILADELPHIA, PA 19102 | AFLAC | $81 | — | $81 | 0.78% |
| JEAN ANN SCHINDELHEIM3 | 554 DEW POINT AVENUE CARLSBAD, CA 92011 | AFLAC | $78 | — | $78 | 0.75% |
| ERIC R MACDOUGALL3 | 1 NESHAMINY INTERPLEX SUITE 201 TREVOSE, PA 19053 | AFLAC | $45 | — | $45 | 0.43% |
| EXSEPTIONAL SERVICES INC3 | 158 PRINTERS LANE NEW LONDON, NC 28127 | AFLAC | $25 | — | $25 | 0.24% |
| AILEEN KEENAN3 | 9603 NORTHWEST 36TH COURT CORAL SPRINGS, FL 33065 | AFLAC | $25 | — | $25 | 0.24% |
| LAD FINANCIAL CORP3 | 4531 CADIZ CIRCLE PALM BEACH GARDENS, FL 33418 | AFLAC | $22 | — | $22 | 0.21% |
| MATTHEW G BERGER3 | 22 SUNNYRIDGE ROAD PHILADELPHIA, PA 19125 | AFLAC | $17 | — | $17 | 0.16% |
| GEOFFREY MALAIS3 Filed as: GEOFFREY MALAJS | 16800 DEVONSHIRE STREET SUITE 220 GRANADA HILLS, CA 91344 | AFLAC | $15 | — | $15 | 0.14% |
| ERIC R MACDOUGALL3 | 5904 MARGARETS WAY NEW HOPE, PA 18938 | AFLAC | $14 | — | $14 | 0.13% |
| RND FINANCIAL ASSOCIATES INC3 | 12103 SOUTHWEST BAYBERRY AVENUE PORT ST LUCIE, FL 34987 | AFLAC | $9 | — | $9 | 0.09% |
| JOSEPH A BUZZELLO3 | 9018 BALBOA BOULEVARD SUITE 254 NORTHRIDGE, CA 91325 | AFLAC | $7 | — | $7 | 0.07% |
| ANGELA MASSARELLI3 | 30 WATERFRONT WAY HAMMONTON, NJ 08037 | AFLAC | $6 | — | $6 | 0.06% |
| C HUDSON AND ASSOCIATES3 | 2543 TWIN PINE ROAD THOMSON, GA 30824 | AFLAC | $4 | — | $4 | 0.04% |
| LAURIE L SMITH3 | 577 TRUESDALE HILL ROAD LAKE GEORGE, NY 12845 | AFLAC | $4 | — | $4 | 0.04% |
| RYAN K GOLDBERG3 | 103 CHURCH STREET SUITE 3 PHILADELPHIA, PA 19106 | AFLAC | $3 | — | $3 | 0.03% |
| DEBORAH S GOLDEN3 Filed as: DEBORAH L POPPERT | 1762 MIDDLETOWN ROAD GLEN MILLS, PA 17112 | AFLAC | $2 | — | $2 | 0.02% |
| THOMAS J POPPERT3 | 1001 RAY COSTIN WAY UNIT 1601 MURRELLS INLET, SC 29576 | AFLAC | $2 | — | $2 | 0.02% |
| DARREN D RIDDLE3 | 7850 AVONDALE TERRECE HARRISBURG, PA 17112 | AFLAC | $1 | — | $1 | 0.01% |
| JAMES W BENCIN3 | 11 SHELDRAKE LANE WEST PALM BEACH, FL 33418 | AFLAC | $1 | — | $1 | 0.01% |
| WILLIS TOWERS WATSON US LLC3 Filed as: JOSEPH H WILLIS JR | 1431 NORTHEAST 55TH STREET FORT LAUDERDALE, FL 33334 | AFLAC | $1 | — | $1 | 0.01% |
| LARA K GRANDE3 | 1022 WESTHAVEN BOULEVARD FRANKLIN, TN 37064 | 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 | $209 | $88 | $297 | 16.50% |
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 | 127 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 128 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 109 | $1.5M |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 112 | $98K |
| Vision | AFLAC | 10 | $10K |
| Life insurance(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 126 | $25K |
| Short-term disability(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 126 | $39K |
| Long-term disability | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 126 | $22K |
| Other(3 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 126 | $27K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 126 | — |
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.