| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $64K | $64K | 4.59% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $11K | $0 | $11K | 9.85% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $0 | $5K | 10.00% |
| MARSH & MCLENNAN AGENCY LLC3 | PO BOX 350 CONSHOHOCKEN, PA 19428 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $0 | $4K | 10.00% |
| SEE ATTACHED3 | — | AFLAC -CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 9.85% |
| SEE ATTACHED3 | — | AFLAC -CONTINENTAL AMERICAN INSURANCE COMPANY | $2K | $0 | $2K | 23.63% |
| CONRAD, JAMES, EVERETT3 | 5 RED HARVEST LANE WINDSOR, NY 13865 | FIRST UNUM LIFE INSURANCE COMPANY | $1K | $0 | $1K | 13.27% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: GILROY KERNAN & GILROY INC | PO BOX 542 NEW HARTFORD, NY 13413 | FIRST UNUM LIFE INSURANCE COMPANY | $143 | $0 | $143 | 1.74% |
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 | 253 | 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) | 253 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 193 | $1.4M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 195 | $114K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 195 | $114K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 253 | $53K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 250 | $39K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 193 | $1.4M |
| Other(4 contracts, 3 carriers) | AFLAC -CONTINENTAL AMERICAN INSURANCE COMPANY | 253 | $39K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 253 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.