| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FIN SVC LLC | 12404 PARK CENTRAL DRIVE SUITE 400S DALLAS, TX 75251 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $77K | $77K | 1.50% |
| GAIL E HILLER-LEE3 | 68 RIDGEFIELD AVENUE SOUTH SALEM, NY 10590 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $77K | $77K | 1.50% |
| GAIL E HILLER-LEE3 | 68 RIDGEFIELD AVENUE SOUTH SALEM, NY 10590 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $9K | — | $9K | 3.00% |
| GCG FINANCIAL LLC3 Filed as: DBL GENERAL AGCY AN ALERA GRP LLC | 155 PINELAWN ROAD SUITE 120 S MELVILLE, NY 11747 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $3K | $3K | 1.00% |
| GAIL E HILLER-LEE3 Filed as: GAIL HILLER-LEE | — | HARTFORD LIFE AND ACCIDENT | $8K | — | $8K | 3.72% |
| GAIL E HILLER-LEE3 | 68 RIDGEFIELD AVENUE SOUTH SALEM, NY 10590 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $5K | — | $5K | 3.00% |
| GCG FINANCIAL LLC3 Filed as: DBL GENERAL AGCY AN ALERA GRP LLC | 155 PINELAWN ROAD STE 120 S MELVILLE, NY 11747 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $2K | $2K | 1.00% |
| GAIL E HILLER-LEE3 | 68 RIDGEFIELD AVENUE SOUTH SALEM, NY 10590 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $2K | — | $2K | 3.00% |
| GCG FINANCIAL LLC3 Filed as: DBL GENERAL AGCY AN ALERA GRP LLC | 155 PINELAWN ROAD SUITE 120 S MELVILLE, NY 11747 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $805 | $805 | 1.00% |
| GAIL E HILLER-LEE3 | 68 RIDGEFIELD AVENUE SOUTH SALEM, NY 10590 | PRINCIPAL LIFE INSURANCE COMPANY | $298 | — | $298 | 2.25% |
| GCG FINANCIAL LLC3 Filed as: DBL GENERAL AGENCY | 155 PINELAWN ROAD SUITE 1205 MELVILLE, NY 11747 | PRINCIPAL LIFE INSURANCE COMPANY | $232 | — | $232 | 1.75% |
| GAIL E HILLER-LEE3 | 68 RIDGEFIELD AVENUE SOUTH SALEM, NY 10590 | PRINCIPAL LIFE INSURANCE COMPANY | $257 | — | $257 | 2.22% |
| GCG FINANCIAL LLC3 Filed as: DBL GENERAL AGENCY | 155 PINELAWN ROAD SUITE 1205 MELVILLE, NY 11747 | PRINCIPAL LIFE INSURANCE COMPANY | $200 | — | $200 | 1.72% |
| GAIL E HILLER-LEE3 | 68 RIDGEFIELD AVENUE SOUTH SALEM, NY 10590 | PRINCIPAL LIFE INSURANCE COMPANY | $134 | — | $134 | 2.28% |
| GCG FINANCIAL LLC3 Filed as: DBL GENERAL AGENCY | 155 PINELAWN ROAD SUITE 1205 MELVILLE, NY 11747 | PRINCIPAL LIFE INSURANCE COMPANY | $104 | — | $104 | 1.77% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC DBA ARMS | 965 GREENTREE ROAD SUITE 110 PITTSBURGH, PA 15220 | PRINCIPAL LIFE INSURANCE COMPANY | — | $442 | $442 | 9.65% |
| GAIL E HILLER-LEE3 | 68 RIDGEFIELD AVENUE SOUTH SALEM, NY 10590 | PRINCIPAL LIFE INSURANCE COMPANY | $101 | — | $101 | 2.21% |
| GCG FINANCIAL LLC3 Filed as: DBL GENERAL AGENCY | 155 PINELAWN ROAD SUITE 1205 MELVILLE, NY 11747 | PRINCIPAL LIFE INSURANCE COMPANY | $79 | — | $79 | 1.72% |
| GAIL E HILLER-LEE3 | 68 RIDGEFIELD AVENUE SOUTH SALEM, NY 10590 | PRINCIPAL LIFE INSURANCE COMPANY | $9 | — | $9 | 2.21% |
| GCG FINANCIAL LLC3 Filed as: DBL GENERAL AGENCY | 155 PINELAWN ROAD SUITE 1205 MELVILLE, NY 11747 | PRINCIPAL LIFE INSURANCE COMPANY | $7 | — | $7 | 1.72% |
| GAIL E HILLER-LEE3 | 68 RIDGEFIELD AVENUE SOUTH SALEM, NY 10590 | PRINCIPAL LIFE INSURANCE COMPANY | $5 | — | $5 | 2.04% |
| GCG FINANCIAL LLC3 Filed as: DBL GENERAL AGENCY | 155 PINELAWN ROAD SUITE 1205 MELVILLE, NY 11747 | PRINCIPAL LIFE INSURANCE COMPANY | $4 | — | $4 | 1.63% |
| GAIL E HILLER-LEE3 Filed as: GAIL A HILLER-LEE | 68 RIDGEFIELD AVENUE SOUTH SALEM, NY 10590 | PRINCIPAL LIFE INSURANCE COMPANY | $3 | — | $3 | 2.94% |
| GCG FINANCIAL LLC3 Filed as: DBL GENERAL AGENCY | 155 PINELAWN ROAD SUITE 1205 MELVILLE, NY 11747 | PRINCIPAL LIFE INSURANCE COMPANY | $2 | — | $2 | 1.96% |
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 | 334 | 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) | 334 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 288 | $5.4M |
| Dental | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 315 | $301K |
| Vision(7 contracts) | PRINCIPAL LIFE INSURANCE COMPANY | 120 | $36K |
| Life insurance(2 contracts) | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 368 | $245K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 310 | $226K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 310 | $226K |
| Other(2 contracts) | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 368 | $245K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 368 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.