| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | PO BOX 970069 BOSTON, MA 02297 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $57K | $57K | 3.85% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC. | 225 WIRELESS BOULEVARD, SUITE 200 HAUPPAUGE, NY 11788 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $28K | $28K | 1.92% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | PO BOX 970069 BOSTON, MA 02297 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $6K | $0 | $6K | 7.88% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC. | 225 WIRELESS BOULEVARD, SUITE 200 HAUPPAUGE, NY 11788 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $0 | $3K | $3K | 4.30% |
| LADMAR ASSOCIATES LLC3 Filed as: LADMAR ASSOCIATES, LLC | 150 MOTORPARKWAY, SUITE 210 HAUPPAUGE, NY 11788 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $537 | $0 | $537 | 0.72% |
| LADMAR ASSOCIATES LLC5 Filed as: LADMAR ASSOCIATES, LLC | 150 MOTOR PARKWAY, SUITE 207 HAUPPAUGE, NY 11788 | MUTUAL OF OMAHA INSURANCE COMPANY | $3K | $3K | $6K | 14.01% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | 1787 SENTRY PARKWAY WEST, SUITE 320 BLUE BELL, PA 19422 | MUTUAL OF OMAHA INSURANCE COMPANY | $3K | $2K | $5K | 26.03% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | 1787 SENTRY PARKWAY WEST, SUITE 320 BLUE BELL, PA 19422 | COMPANION LIFE INSURANCE COMPANY | $3K | $2K | $5K | 28.11% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | 1787 SENTRY PARKWAY WEST, SUITE 320 BLUE BELL, PA 19422 | MUTUAL OF OMAHA INSURANCE COMPANY | $172 | $2K | $2K | 21.90% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 160 FEDERAL STREET, 4TH FLOOR BOSTON, MA 02110 | MUTUAL OF OMAHA INSURANCE COMPANY | $997 | $0 | $997 | 12.22% |
| SELMAN & COMPANY, LLC3 | 1 INTEGRITY PARKWAY CLEVELAND, OH 44143 | MUTUAL OF OMAHA INSURANCE COMPANY | $0 | $328 | $328 | 4.02% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | 1787 SENTRY PARKWAY WEST, SUITE 320 BLUE BELL, PA 19422 | COMPANION LIFE INSURANCE COMPANY | $243 | $1K | $2K | 23.19% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 160 FEDERAL STREET, 4TH FLOOR BOSTON, MA 02110 | COMPANION LIFE INSURANCE COMPANY | $942 | $0 | $942 | 12.71% |
| SELMAN & COMPANY, LLC3 | 1 INTEGRITY PARKWAY CLEVELAND, OH 44143 | COMPANION LIFE INSURANCE COMPANY | $0 | $295 | $295 | 3.98% |
| LADMAR ASSOCIATES LLC3 Filed as: LADMAR ASSOCIATES, LLC | 150 MOTOR PARKWAY, SUITE 207 HAUPPAUGE, NY 11788 | AFLAC | $332 | $0 | $332 | 4.71% |
| RSC INSURANCE BROKERAGE INC3 Filed as: RSC INSURANCE BROKERAGE, INC. | 150 MOTOR PARKWAY, SUITE 207 HAUPPAUGE, NY 11788 | AFLAC | $273 | $0 | $273 | 3.88% |
| DOMENICO V MAUTARELLI3 Filed as: DOMENICO V. MAUTARELLI | PO BOX 767 MATTITUCK, NY 11952 | AFLAC | $136 | $0 | $136 | 1.93% |
| MICHAEL C WALKER3 Filed as: MICHAEL P. DESTEFANO | 4250 VETERANS MEMORIAL HIGHWAY SUITE 1015W HOLBROOK, NY 11741 | AFLAC | $125 | $6 | $131 | 1.86% |
| JANINE M. FEELEY3 | 28 LAURELTON AVENUE LAKE GROVE, NY 11755 | AFLAC | $85 | $6 | $91 | 1.29% |
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 | 117 | 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. |
| Total participants (= "Plan participants" tile) | 121 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 102 | $1.5M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 73 | $74K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 73 | $74K |
| Life insurance(4 contracts, 2 carriers) | MUTUAL OF OMAHA INSURANCE COMPANY | 116 | $52K |
| Short-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 121 | $41K |
| Long-term disability(2 contracts) | MUTUAL OF OMAHA INSURANCE COMPANY | 116 | $28K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 102 | $1.5M |
| Other(5 contracts, 4 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 117 | $1.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 121 | — |
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.