| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS OF GEORGIA INC | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $82K | $0 | $82K | 14.88% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN INS OF GEORGIA INC | 900 NORTH POINT PKWY SUITE 300 ALPHARETTA, GA 30005 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $6K | $0 | $6K | 7.47% |
| ANDREW J JUNIKIEWICZ JR3 Filed as: ANDREW J JUNKIEWICZ JR | 22 BROOK HOLLOW DRIVE SINKING SPRING, PA 19608 | AFLAC | $855 | $4 | $859 | 2.94% |
| HARDENBERGH INSURANCE GROUP3 | PO BOX 8000 MARLTON, NC 08053 | AFLAC | $821 | $0 | $821 | 2.81% |
| SUZANNE DICIOCCIO3 Filed as: SUZANNE DICOCCIO | 933 WILLOW STREET BURLINGTON, NJ 08016 | AFLAC | $585 | $6 | $591 | 2.02% |
| MATTHEW T O'HANLON3 Filed as: MATTHEW O HANLON | 529 FAYETTE STREET SUITE 202 CONSHOHOCKEN, PA 19428 | AFLAC | $193 | $2 | $195 | 0.67% |
| LAUNCHPAD BENEFITS SOLUTIONS LLC3 | 529 FAYETTE STREET SUITE 202 CONSHOHOCKEN, PA 19428 | AFLAC | $175 | $0 | $175 | 0.60% |
| SHAW ASSOCIATES INC3 | 11 JOY LANE READING, MA 01867 | AFLAC | $76 | $0 | $76 | 0.26% |
| ROBERT LAROCHE JR3 | 451 WESTMORELAND LANE SAUNDERSTOWN, RI 02874 | AFLAC | $17 | $0 | $17 | 0.06% |
| ARTHUR V PACHECO3 | 55 FRIENDSHIP STREET FALL RIVER, MA 02724 | AFLAC | $7 | $0 | $7 | 0.02% |
| JENNIFER M SWARTZ3 | 10 ADAMS STREET BILLERICA, MA 01821 | AFLAC | $7 | $0 | $7 | 0.02% |
| SINAPI INSURANCE ASSOCIATES INC3 | 16 SWAN COURT CRANSTON, RI 02921 | AFLAC | $7 | $0 | $7 | 0.02% |
| JAMES E MELLO3 | 8061 LIRIOPE LOOP LEHIGH ACRES, FL 33972 | AFLAC | $2 | $0 | $2 | 0.01% |
| WILLIAM H KIRK3 | 399 JEFFERSON BLVD WARWICK, RI 02886 | AFLAC | $2 | $0 | $2 | 0.01% |
| ENROLLEASE3 Filed as: ONE DIGITAL PREMIER SERVICES LLC | — | METROPOLITAN LIFE INSURANCE COMPANY | $521 | $0 | $521 | 4.83% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE CO EIN 59-1031071 CARRIER | Other services; Float revenue; Contract Administrator; Named fiduciary; Non-monetary compensation; Claims processing; Participant communication; Direct payment from the plan Service code 12 | — | $6K |
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 | 268 | 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) | 268 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 146 | $551K |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 268 | $92K |
| Vision(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 268 | $92K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 268 | $11K |
| Other(2 contracts, 2 carriers) | AFLAC | 268 | $40K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 268 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.