| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARION MACARO3 | 150 EAST 18TH STREET APT PHO NEW YORK, NY 10003 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $41K | — | $41K | 13.88% |
| AMG BRICKELL INC | 1111 PARK CENTER BLVD MIAMI GARDENS, FL 33169 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | -$84 | -$84 | -0.03% |
| MARION MACARO3 | 150 EAST 18TH STREET APT PHO NEW YORK, NY 10003 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | — | $6K | 10.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NEW ENGLAND LLC | 600 LONGWATER DRIVE NORWELL, MA 02061 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $513 | — | $513 | 0.86% |
| BENEFITMALL3 | 6750 N ANDREWS AVE STE 125 FORT LAUDERDALE, FL 33309 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $257 | — | $257 | 0.43% |
| MARION MACARO3 | 150 EAST 18TH STREET APT PHO NEW YORK, NY 10003 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 15.00% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NEW ENGLAND LLC | 600 LONGWATER DRIVE NORWELL, MA 02061 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $183 | — | $183 | 1.38% |
| BENEFITMALL3 | 6750 N ANDREWS AVE STE 125 FORT LAUDERDALE, FL 33309 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $61 | — | $61 | 0.46% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA | Named fiduciary; Direct payment from the plan; Non-monetary compensation; Float revenue; Contract Administrator; Claims processing; Other services; Participant communication Service code 12 | — | $0 |
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 | 193 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 193 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 121 | $299K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 121 | $299K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 121 | $299K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 193 | $60K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 48 | $2K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 48 | $13K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 193 | — |
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.