| 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 | $13K | $80K | $94K | 3.24% |
| DMS EXECUTIVE AND EMPLOYEE BENEFITS3 Filed as: DMS EXECUTIVE AND EMPLOYEE BENEFIT | 23 SADDLE RIDGE ROAD POUND RIDGE, NY 10576 | FIRST UNUM LIFE INSURANCE COMPANY | $12K | $0 | $12K | 5.44% |
| DMS EXECUTIVE AND EMPLOYEE BENEFITS3 Filed as: DMS EXECUTIVE AND EMPLOYEE BENEFIT | 23 SADDLE RIDGE ROAD POUND RIDGE, NY 10576 | FIRST UNUM LIFE INSURANCE COMPANY | $6K | $0 | $6K | 10.75% |
| DMS EXECUTIVE AND EMPLOYEE BENEFITS3 Filed as: DMS EXECUTIVE AND EMPLOYEE BENEFIT | 23 SADDLE RIDGE ROAD POUND RIDGE, NY 10576 | FIRST UNUM LIFE INSURANCE COMPANY | $8K | $0 | $8K | 15.00% |
| PREMIER WORKSITE SOLUTIONS INC3 Filed as: PREMIER WORKSITE SOLUTIONS LLC | 700 KINDERKAMACK ROAD SUITE 205 ORADELL, NJ 07675 | FIRST UNUM LIFE INSURANCE COMPANY | $2K | $6 | $2K | 4.48% |
| DMS EXECUTIVE AND EMPLOYEE BENEFITS3 Filed as: DMS EXECUTIVE AND EMPLOYEE BENEFIT | 23 SADDLE RIDGE ROAD POUND RIDGE, NY 10576 | FIRST UNUM LIFE INSURANCE COMPANY | $805 | $0 | $805 | 1.92% |
| ALLISON MCMORROW3 | 23 SADDLE RIDGE ROAD POUND RIDGE, NY 10576 | FIRST UNUM LIFE INSURANCE COMPANY | $163 | $0 | $163 | 0.39% |
| DMS EXECUTIVE AND EMPLOYEE BENEFITS3 Filed as: DMS EXECUTIVE ANA EMPLOYEE BENEFIT | 23 SADDLE RIDGE ROAD POUND RIDGE, NY 10576 | FIRST UNUM LIFE INSURANCE COMPANY | $4K | $0 | $4K | 15.00% |
| DMS EXECUTIVE AND EMPLOYEE BENEFITS3 Filed as: DMS EXECUTIVE AND EMPLOYEE BENEFIT | 23 SADDLE RIDGE ROAD POUND RIDGE, NY 10576 | FIRST UNUM LIFE INSURANCE COMPANY | $3K | $0 | $3K | 15.00% |
| ALLISON MCMORROW3 | 23 SADDLE RIDGE ROAD POUND RIDGE, NY 10576 | FIRST UNUM LIFE INSURANCE COMPANY | $278 | $0 | $278 | 2.94% |
| ALLISON MCMORROW3 | 23 SADDLE RIDGE ROAD POUND RIDGE, NY 10576 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $16K | $0 | $16K | 194.64% |
| PREMIER WORKSITE SOLUTIONS INC3 Filed as: PREMIER WORKSITE SOLUTIONS LLC | 700 KINDERKAMACK ROAD ORADELL, NJ 07675 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $26 | $1K | 14.44% |
| DMS EXECUTIVE AND EMPLOYEE BENEFITS3 | 23 SADDLE RIDGE ROAD POUND RIDGE, NY 10576 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $501 | $0 | $501 | 6.05% |
| NFP INSURANCE SERVICES INC Filed as: NFP PROPERTY & CASUALTY SERVICES IN | 707 WESTCHESTER AVENUE #201 WHITE PLAINS, NY 10604 | CHUBB | $276 | $28 | $304 | 16.52% |
| DMS EXECUTIVE AND EMPLOYEE BENEFITS3 Filed as: DMS EXECUTIVE AND EMPLOYEE BENEFIT | 23 SADDLE RIDGE ROAD POUND RIDGE, NY 10576 | FIRST UNUM LIFE INSURANCE COMPANY | $246 | $0 | $246 | 15.03% |
| DMS EXECUTIVE AND EMPLOYEE BENEFITS3 Filed as: DMS EXECUTIVE AND EMPLOYEE BENEFIT | 23 SADDLE RIDGE ROAD POUND RIDGE, NY 10576 | FIRST UNUM LIFE INSURANCE COMPANY | $106 | $0 | $106 | 15.01% |
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 | 109 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 110 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 106 | $2.9M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 106 | $2.9M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 106 | $2.9M |
| Life insurance(3 contracts, 2 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 100 | $261K |
| Short-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 100 | $223K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 100 | $223K |
| Other(10 contracts, 3 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 116 | $441K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 116 | — |
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.