| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARTIN EHRLICH3 | 715 WOOLLEY AVE STATEN ISLAND, NY 10314 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $7K | $75K | $82K | 2.83% |
| BENEFITMALL3 | 354 EISENHOWER PARKWAY SUITE 2850 LIVINGSTON, NJ 07039 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $45K | $45K | 1.54% |
| NAVID JANNATIPOUR3 | 11755 WILSHIRE LOS ANGELES, CA 90025 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $3K | $36K | $40K | 1.36% |
| JOSEPH R. BOSNACK3 Filed as: JOSEPH R BOSNACK | 187 ADAMS WAY SAYVILLE, NY 11782 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $2K | $25K | $27K | 0.94% |
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 | 223 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 226 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 280 | $2.9M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 280 | $2.9M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 280 | $2.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 280 | — |
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.