| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLISON MCMORROW3 | 23 SADDLE RIDGE ROAD POUND RIDGE, NY 10576 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $14K | $79K | $93K | 3.25% |
| DMS EXECUTIVE AND EMPLOYEE BEN3 | 23 SADDLE POUND RIDGE, NY 10576 | FIRST UNUM LIFE INSURANCE COMPANY | $12K | $0 | $12K | 6.01% |
| DMS EXECUTIVE AND EMPLOYEE BEN3 | 23 SADDLE RIDGE ROAD POUND RIDGE, NY 10576 | FIRST UNUM LIFE INSURANCE COMPANY | $12K | $0 | $12K | 15.99% |
| DMS EXECUTIVE AND EMPLOYEE BEN3 | 23 SADDLE RIDGE ROAD POUND RIDGE, NY 10029 | FIRST UNUM LIFE INSURANCE COMPANY | $9K | $0 | $9K | 12.93% |
| PREMIER WORKSITE SOLUTIONS INC3 Filed as: PREMIER WORKSITE SOLUTIONS LLC | 700 KINDERKAMACK ROAD SUITE 205 ORADELL, NJ 07675 | FIRST UNUM LIFE INSURANCE COMPANY | $4K | $90 | $4K | 11.24% |
| DMS EXECUTIVE AND EMPLOYEE BENEFITS3 | 23 SADDLE RIDGE RD POUND RIDGE, NY 10576 | FIRST UNUM LIFE INSURANCE COMPANY | $2K | $0 | $2K | 4.72% |
| ALLISON MCMORROW3 | 23 SADDLE RIDGE ROAD POUND RIDGE, NY 10576 | FIRST UNUM LIFE INSURANCE COMPANY | $210 | — | $210 | 0.53% |
| DMS EXECUTIVE AND EMPLOYEE BEN3 | 23 SADD POUND RIDGE, NY 10576 | FIRST UNUM LIFE INSURANCE COMPANY | $4K | $0 | $4K | 16.24% |
| ALLISON MCMORROW3 | 23 SADDLE RIDGE ROAD POUND RIDGE, NY 10576 | FIRST UNUM LIFE INSURANCE COMPANY | $314 | $0 | $314 | 3.49% |
| PREMIER WORKSITE SOLUTIONS INC Filed as: PREMIER WORKSITE SOLUTIONS LLC | 700 KINDERKAMACK ROAD STE 205 ORADELL, NJ 07675 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $763 | $0 | $763 | 11.25% |
| DMS EXECUTIVE AND EMPLOYEE BENEFITS3 | 23 SADDLE RIDGE ROAD POUND RIDGE, NY 10576 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $327 | $0 | $327 | 4.82% |
| ALLISON MCMORROW3 | 23 SADDLE RIDGE ROAD POUND RIDGE, NY 10576 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $197 | $0 | $197 | 2.91% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP PROPERTY & CASUALTY SERVICES IN | 707 WESTCHESTER AVENUE #201 WHITE PLAINS, NY 10604 | FEDERAL INSURANCE COMPANY | $276 | $25 | $301 | 16.36% |
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 | 110 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 113 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 110 | $2.9M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 110 | $2.9M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 110 | $2.9M |
| Life insurance(4 contracts, 2 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 125 | $275K |
| Short-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 106 | $203K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 106 | $203K |
| Other(7 contracts, 3 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 147 | $427K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 147 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.