| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JEFF ROMOND3 | 530 FIFTH AVENUE 12TH FLOOR NEW YORK, NY 10036 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | -$825 | $37K | $37K | 4.62% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC | 225 WIRELESS BLVD 2ND FLOOR HAUPPAUGE, NY 11788 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $16K | $16K | 2.00% |
| JEFF ROMOND3 | 530 FIFTH AVENUE 12TH FLOOR NEW YORK, NY 10036 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $5K | — | $5K | 7.24% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD 2ND FLOOR HAUPPAUGE, NY 11788 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | — | $2K | $2K | 3.55% |
| JEFFREY ROMOND3 | 530 5TH AVE 14TH FL NEW YORK, NY 10036 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $1K | — | $1K | 6.35% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS | 100 WALNUT AVE STE 504 CLARK, NJ 07006 | CIGNA LIFE INSURANCE CO. OF NEW YORK | — | $1K | $1K | 5.00% |
| JEFFREY ROMOND3 | 530 5TH AVE 14TH FL NEW YORK, NY 10036 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $646 | — | $646 | 7.50% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS | 225 WIRELESS BLVD STE 200 HAUPPAUGE, NY 11788 | CIGNA LIFE INSURANCE CO. OF NEW YORK | — | $430 | $430 | 5.00% |
| JEFFREY ROMOND3 | 530 5TH AVE 14TH FL NEW YORK, NY 10036 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $942 | — | $942 | 11.58% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS | 225 WIRELESS BLVD STE 200 HAUPPAUGE, NY 11788 | CIGNA LIFE INSURANCE CO. OF NEW YORK | — | $407 | $407 | 5.00% |
| JEFFREY ROMOND3 | 530 5TH AVE 14TH FL NEW YORK, NY 10036 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $370 | — | $370 | 14.47% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS | 225 WIRELESS BLVD STE 200 HAUPPAUGE, NY 11788 | CIGNA LIFE INSURANCE CO. OF NEW YORK | — | $128 | $128 | 5.01% |
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 | 112 | 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) | 112 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 78 | $790K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 77 | $66K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 77 | $66K |
| Life insurance | CIGNA LIFE INSURANCE CO. OF NEW YORK | 112 | $9K |
| Short-term disability | CIGNA LIFE INSURANCE CO. OF NEW YORK | 112 | $23K |
| Long-term disability | CIGNA LIFE INSURANCE CO. OF NEW YORK | 112 | $8K |
| Other | CIGNA LIFE INSURANCE CO. OF NEW YORK | 112 | $3K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 112 | — |
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.