| 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 | $15K | $69K | $84K | 2.82% |
| DMS EXECUTIVE AND EMPLOYEE BENEFITS3 Filed as: DMS EXECUTIVE AND EMPLOYEE BENEFIT | 23 SADDLE RIDGE RD POUND RIDGE, NY 10576 | FIRST UNUM LIFE INSURANCE COMPANY | $11K | $0 | $11K | 5.13% |
| 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 | $10K | $0 | $10K | 14.92% |
| DMS EXECUTIVE AND EMPLOYEE BENEFITS3 Filed as: DMS EXECUTIVE AND EMPLOYEE BENEFIT | 23 SADDLE RIDGE RD POUND RIDGE, NY 10576 | FIRST UNUM LIFE INSURANCE COMPANY | $6K | $0 | $6K | 10.46% |
| PREMIER WORKSITE SOLUTIONS INC3 Filed as: PREMIER WORKSITE SOLUTIONS LLC | 700 KINDERKAMACK ROAD SUITE 205 ORADELL, NJ 07675 | FIRST UNUM LIFE INSURANCE COMPANY | $1K | $2 | $1K | 3.72% |
| DMS EXECUTIVE AND EMPLOYEE BENEFITS3 | 23 SADDLE RIDGE ROAD POUND RIDGE, NY 10576 | FIRST UNUM LIFE INSURANCE COMPANY | $582 | $0 | $582 | 1.59% |
| ALLISON MCMORROW3 | 23 SADDLE RIDGE ROAD POUND RIDGE, NY 10576 | FIRST UNUM LIFE INSURANCE COMPANY | $136 | $0 | $136 | 0.37% |
| 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 | $4K | $0 | $4K | 15.00% |
| PREMIER WORKSITE SOLUTIONS INC3 Filed as: PREMIER WORKSITE SOLUTIONS LLC | 700 KINDERKAMACK ROAD SUITE 205 ORADELL, NJ 07675 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $548 | $9 | $557 | 6.14% |
| ALLISON MCMORROW3 | 23 SADDLE RIDGE ROAD POUND RIDGE, NY 10576 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $161 | $0 | $161 | 1.77% |
| DMS EXECUTIVE AND EMPLOYEE BENEFITS3 Filed as: DMS EXECUTIVE AND EMPLOYEE | 23 SADDLE RIDGE ROAD POUND RIDGE, NY 10576 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $161 | $0 | $161 | 1.77% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP PROPERTY & CASUALTY SERVICES | 707 WESTCHESTER AVENUE #201 WHITE PLAINS, NY 10604 | FEDERAL INSURANCE COMPANY | $276 | $24 | $300 | 16.30% |
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 | 105 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 112 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 107 | $3.0M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 107 | $3.0M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 107 | $3.0M |
| Life insurance(3 contracts, 2 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 103 | $243K |
| Short-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 103 | $206K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 103 | $206K |
| Other(7 contracts, 3 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 134 | $410K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 134 | — |
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.