| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE HOTALING GROUP3 Filed as: HOTALING GROUP | 8 FLETCHER PLACE MELVILLE, NY 11747 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $11K | $0 | $11K | 7.44% |
| AMWINS3 Filed as: AMWINS CONNECT INSURANCE SVCS, LLC | 2 ENTERPRISE DRIVE, SUITE 204 SHELTON, CT 06484 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $0 | $7K | $7K | 4.98% |
| THE HOTALING GROUP3 | 8 FLETCHER PLACE MELVILLE, NY 11747 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $10K | $0 | $10K | 10.58% |
| ACRISURE LLC3 Filed as: ACRISURE, LLC | 311 CLOCK TOWER COMMONS BREWSTER, NY 10509 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $4K | $4K | 3.66% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | 669 RIVER DRIVE, CENTER II SUITE 305 ELMWOOD PARK, NJ 07407 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $2K | $2K | 2.50% |
| ACRISURE LLC3 Filed as: ACRISURE PGM INSURANCE SERVICES LLC | 50 BROADWAY, 2ND FLOOR HAWTHORNE, NY 10583 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $2K | $2K | 1.57% |
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 | 121 | 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) | 121 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 98 | $146K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 98 | $146K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 121 | $96K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 121 | $96K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 121 | $96K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 121 | $96K |
| 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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.