| 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 | — | $51K | $51K | 5.31% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC | 225 WIRELESS BLVD 2ND FLOOR HAUPPAUGE, NY 11788 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $19K | $19K | 1.96% |
| ROMOND, JEFF3 | 1199 ROUTE 22 EAST 12TH FLOOR MOUNTAINSIDE, NJ 07092 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $6K | — | $6K | 7.26% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BOULEVARD 2ND FLOOR HAUPPAUGE, NY 11788 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | — | $3K | $3K | 3.52% |
| JEFFREY ROMOND3 | 1199 ROUTE 22 EAST MOUNTAINSIDE, NJ 07092 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $2K | — | $2K | 8.16% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS | 225 WIRELESS BOULEVARD SUITE 200 HAUPPAUGE, NY 11788 | CIGNA LIFE INSURANCE CO. OF NEW YORK | — | $2K | $2K | 8.02% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS | 225 WIRELESS BOULEVARD SUITE 200 HAUPPAUGE, NY 11788 | CIGNA LIFE INSURANCE CO. OF NEW YORK | — | $840 | $840 | 8.01% |
| JEFFREY ROMOND3 | 1199 ROUTE 22 EAST MOUNTAINSIDE, NJ 07092 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $808 | — | $808 | 7.71% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS | 225 WIRELESS BOULEVARD SUITE 200 HAUPPAUGE, NY 11788 | CIGNA LIFE INSURANCE CO. OF NEW YORK | — | $827 | $827 | 8.02% |
| JEFFREY ROMOND3 | 1199 ROUTE 22 EAST MOUNTAINSIDE, NJ 07092 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $652 | — | $652 | 6.32% |
| JEFFREY ROMOND3 | 1199 ROUTE 22 EAST MOUNTAINSIDE, NJ 07092 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $412 | — | $412 | 11.99% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS | 225 WIRELESS BOULEVARD SUITE 200 HAUPPAUGE, NY 11788 | CIGNA LIFE INSURANCE CO. OF NEW YORK | — | $276 | $276 | 8.03% |
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 | 126 | 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) | 126 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 90 | $966K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 89 | $76K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 89 | $76K |
| Life insurance | CIGNA LIFE INSURANCE CO. OF NEW YORK | 126 | $10K |
| Short-term disability | CIGNA LIFE INSURANCE CO. OF NEW YORK | 126 | $26K |
| Long-term disability | CIGNA LIFE INSURANCE CO. OF NEW YORK | 126 | $10K |
| Other | CIGNA LIFE INSURANCE CO. OF NEW YORK | 126 | $3K |
| 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.