| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNEN AGENCY LLC | PARK 80 WEST PLAZA TWO 250 PEHLE AVE ST #400 SADDLE BROOK, NJ 07663 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $100K | $0 | $100K | 3.50% |
| RUGGIERI, PHILIP3 | 355 LEXINGTON AVENUE FLOOR #22 NEW YORK, NY 10017 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $73K | $0 | $73K | 2.57% |
| HEALTHY BUSINESS GROUP LLC3 | 34 BAY STREET PO BOX 1346 SAG HARBOR, NY 11963 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $0 | $53K | $53K | 1.87% |
| MARSH & MCLENNAN AGENCY LLC3 | PARK 80 PLAZA 2 250 PEHLE AVE STE 400 SADDLE BROOK, NJ 076635826 | MUTUAL OF OMAHA INSURANCE COMPANY | $3K | $0 | $3K | 4.56% |
| RUGGIERI CONSULTING GROUP LLC3 | 355 LEXINGTON AVE FL 22 NEW YORK, NY 100176603 | MUTUAL OF OMAHA INSURANCE COMPANY | $3K | $0 | $3K | 4.27% |
| RUGGIERI CONSULTING GROUP LLC3 | 355 LEXINGTON AVE FL 22 NEW YORK, NY 100176603 | MUTUAL OF OMAHA INSURANCE COMPANY | $2K | $0 | $2K | 6.10% |
| MARSH & MCLENNAN AGENCY LLC3 | PARK 80 PLAZA 2 250 PEHLE AVE STE 400 SADDLE BROOK, NJ 076635826 | MUTUAL OF OMAHA INSURANCE COMPANY | $2K | $0 | $2K | 4.45% |
| 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 | $4K | $19 | $4K | 10.96% |
| ROBERT D WOLF3 Filed as: ROBERT D WOLF III | 355 LEXINGTON AVE FL 22 NEW YORK, NY 100176603 | METROPOLITAN LIFE INSURANCE COMPANY | $190 | $0 | $190 | 0.54% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 250 PEHLE AVE STE 400 PARK 80 PLAZA 2 SADDLE BROOK, NJ 076635826 | METROPOLITAN LIFE INSURANCE COMPANY | $186 | $0 | $186 | 0.53% |
| JAMES M. MCCARTHY3 Filed as: JAMES M MCCARTHY | 1 PENN PLZ STE 2035 C/O EMPIRE STATE BENEFITS LLC NEW YORK, NY 101192035 | METROPOLITAN LIFE INSURANCE COMPANY | $35 | $0 | $35 | 0.10% |
| MARSH & MCLENNAN AGENCY LLC3 | PARK 80 PLAZA 2 250 PEHLE AVE STE 400 SADDLE BROOK, NJ 076635826 | COMPANION LIFE INSURANCE COMPANY | $1K | $0 | $1K | 5.79% |
| RUGGIERI CONSULTING GROUP LLC3 | 355 LEXINGTON AVE FL 22 NEW YORK, NY 100176603 | COMPANION LIFE INSURANCE COMPANY | $854 | $0 | $854 | 4.21% |
| MARSH & MCLENNAN AGENCY LLC3 | PARK 80 PLAZA 2 250 PEHILE AVE W #400 SADDLE BROOK, NJ 07663 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | $121 | $1K | 7.12% |
| PHILIP RUGGIERI3 | 80 OVERHILL ROAD MOUNT VERNON, NJ 10552 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $554 | $0 | $554 | 2.85% |
| MARSH & MCLENNAN AGENCY LLC3 | PARK 80 PLAZA 2 250 PEHLE AVE STE 400 SADDLE BROOK, NJ 076635826 | COMPANION LIFE INSURANCE COMPANY | $887 | $0 | $887 | 5.89% |
| RUGGIERI CONSULTING GROUP LLC3 | 355 LEXINGTON AVE FL 22 NEW YORK, NY 100176603 | COMPANION LIFE INSURANCE COMPANY | $619 | $0 | $619 | 4.11% |
| MARSH & MCLENNAN AGENCY LLC3 | PARK 80 PLAZA 2 250 PEHLE AVE STE 400 SADDLE BROOK, NJ 076635826 | MUTUAL OF OMAHA INSURANCE COMPANY | $431 | $0 | $431 | 5.79% |
| RUGGIERI CONSULTING GROUP LLC3 | 355 LEXINGTON AVE FL 22 NEW YORK, NY 100176603 | MUTUAL OF OMAHA INSURANCE COMPANY | $314 | $0 | $314 | 4.21% |
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 | 207 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | 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) | 211 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 189 | $2.8M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 189 | $2.8M |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 141 | $19K |
| Life insurance(2 contracts) | COMPANION LIFE INSURANCE COMPANY | 207 | $35K |
| Short-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 93 | $60K |
| Long-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 207 | $40K |
| Other(4 contracts, 3 carriers) | MUTUAL OF OMAHA INSURANCE COMPANY | 207 | $118K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 207 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.