| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RUGGIERI CONSULTING GROUP LLC3 Filed as: RUGGIERI CONSULTING GROUP, LLC | 355 LEXINGTON AVENUE 22ND FLOOR NEW YORK, NY 10017 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $149K | $0 | $149K | 5.18% |
| HEALTHY BUSINESS GROUP LLC3 Filed as: HEALTHY BUSINESS GROUP, LLC | 34 BAY STREET SAG HARBOR, NY 11963 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $0 | $54K | $54K | 1.88% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 250 PEHLE AVENUE SUITE 400 SADDLE BROOK, NJ 07663 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $14K | $0 | $14K | 0.50% |
| RUGGIERI CONSULTING GROUP LLC3 | 355 LEXINGTON AVE FL 22 NEW YORK, NY 100176603 | MUTUAL OF OMAHA INSURANCE COMPANY | $5K | $0 | $5K | 9.05% |
| MARSH & MCLENNAN AGENCY LLC3 | PARK 80 PLAZA 2 250 PEHLE AVE STE 400 SADDLE BROOK, NJ 076635826 | MUTUAL OF OMAHA INSURANCE COMPANY | $494 | $0 | $494 | 0.95% |
| RUGGIERI CONSULTING GROUP LLC3 | 355 LEXINGTON AVE FL 22 NEW YORK, NY 100176603 | MUTUAL OF OMAHA INSURANCE COMPANY | $4K | $0 | $4K | 10.55% |
| ROBERT D WOLF3 Filed as: ROBERT D WOLF III | 355 LEXINGTON AVE C/O RUGGIERI CONSULTING GROUP NEW YORK, NY 100176603 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $0 | $5K | 16.86% |
| JAMES M. MCCARTHY3 Filed as: JAMES M MCCARTHY | 1 PENN PLZ STE 2035 NEW YORK, NY 101192035 | METROPOLITAN LIFE INSURANCE COMPANY | $35 | $0 | $35 | 0.11% |
| ROBERT D WOLF3 | 410 BUTTERMERE AVENUE INTERLAKEN, NJ 07712 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | $0 | $2K | 8.02% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN AGENCY, LLC | 250 PEHLE AVENUE SUITE 400 SADDLE BROOK, NJ 07663 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $109 | $0 | $109 | 0.52% |
| RUGGIERI CONSULTING GROUP LLC3 | 355 LEXINGTON AVE FL 22 NEW YORK, NY 100176603 | MUTUAL OF OMAHA INSURANCE COMPANY | $2K | $0 | $2K | 12.20% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENAN AGENCY LLC | PARK 80 PLAZA 2 250 PEHLE AVE STE 400 SADDLE BROOK, NJ 076635826 | MUTUAL OF OMAHA INSURANCE COMPANY | $328 | $0 | $328 | 1.71% |
| RUGGIERI CONSULTING GROUP LLC3 | 355 LEXINGTON AVE FL 22 NEW YORK, NY 100176603 | COMPANION LIFE INSURANCE COMPANY | $2K | $0 | $2K | 9.12% |
| MARSH & MCLENNAN AGENCY LLC3 | PARK 80 PLAZA 2 250 PEHLE AVE STE 400 SADDLE BROOK, NJ 076635826 | COMPANION LIFE INSURANCE COMPANY | $167 | $0 | $167 | 0.88% |
| RUGGIERI CONSULTING GROUP LLC3 | 355 LEXINGTON AVE FL 22 NEW YORK, NY 100176603 | COMPANION LIFE INSURANCE COMPANY | $1K | $0 | $1K | 9.06% |
| MARSH & MCLENNAN AGENCY LLC3 | PARK 80 PLAZA 2 250 PEHLE AVE STE 400 SADDLE BROOK, NJ 076635826 | COMPANION LIFE INSURANCE COMPANY | $125 | $0 | $125 | 0.94% |
| RUGGIERI CONSULTING GROUP LLC3 | 355 LEXINGTON AVE FL 22 NEW YORK, NY 100176603 | MUTUAL OF OMAHA INSURANCE COMPANY | $639 | $0 | $639 | 9.13% |
| MARSH & MCLENNAN AGENCY LLC3 | PARK 80 PLAZA 2 250 PEHLE AVE STE 400 SADDLE BROOK, NJ 076635826 | MUTUAL OF OMAHA INSURANCE COMPANY | $61 | $0 | $61 | 0.87% |
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 | 202 | 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. |
| Beneficiaries receiving benefits | 0 | Spouses or dependents with eligibility independent of the participant. |
| Total participants (= "Plan participants" tile) | 202 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 186 | $2.9M |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 186 | $2.9M |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 137 | $21K |
| Life insurance(2 contracts) | COMPANION LIFE INSURANCE COMPANY | 202 | $32K |
| Short-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 87 | $52K |
| Long-term disability(2 contracts) | MUTUAL OF OMAHA INSURANCE COMPANY | 202 | $55K |
| Other(4 contracts, 3 carriers) | MUTUAL OF OMAHA INSURANCE COMPANY | 202 | $103K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 202 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.