| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS | 225 WIRELESS BLVD. STE. 200 HAUPPAUGE, NY 11788 | CIGNA | — | $52K | $52K | 3.96% |
| KABS AGENCY, INC.3 Filed as: KABS AGENCY INC. | 77 GRASSLANDS CIRCLE MOUNT SINAI, NY 11766 | CIGNA | $31K | — | $31K | 2.34% |
| ROBERT E. MUZIKOWSKI3 Filed as: ROBERT E MUZIKOWSKI | 1N WACKER DR. STE. 4600 CHICAGO, IL 60606 | CIGNA | $31K | — | $31K | 2.34% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS | 225 WIRELESS BLVD STE. 200 HAUPPAUGE, NY 11788 | CIGNA | — | $8K | $8K | 3.98% |
| KABS AGENCY, INC.3 | 77 GRASSLANDS CIRCLE MOUNT SINAI, NY 11766 | CIGNA | $7K | $724 | $7K | 3.86% |
| ROBERT E. MUZIKOWSKI3 | 1N WACKER DR. STE. 4600 CHICAGO, IL 60606 | CIGNA | $7K | $724 | $7K | 3.86% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS | 225 WIRELESS BLVD. STE. 200 HAUPPAUGE, NY 11788 | CIGNA | — | $3K | $3K | 9.73% |
| KABS AGENCY, INC.3 Filed as: KABS AGENCY INC. | 77 GRASSLANDS CIRCLE MOUNT SINAI, NY 11766 | CIGNA | $3K | — | $3K | 7.94% |
| KABS AGENCY, INC.3 Filed as: KABS AGENCY INC. | 77 GRASSLANDS CIRCLE MOUNT SINAI, NY 11766 | CIGNA | $4K | — | $4K | 10.73% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS | 225 WIRELESS BLVD. STE. 200 HAUPPAUGE, NY 11788 | CIGNA | — | $3K | $3K | 10.19% |
| KABS AGENCY, INC.3 | 77 GRASSLANDS CIR. MOUNT SINAI, NY 11766 | VISION SERVICE PLAN | $781 | — | $781 | 7.19% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS | 225 WIRELESS BLVD. STE. 2 HAUPPAUGE, NY 11788 | VISION SERVICE PLAN | $272 | — | $272 | 2.51% |
| KABS AGENCY, INC.3 Filed as: KABS AGENCY INC. | 77 GRASSLANDS CIRCLE MOUNT SINAI, NY 11766 | CIGNA | $1K | — | $1K | 13.14% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS | 225 WIRELESS BLVD. STE. 200 HAUPPAUGE, NY 11788 | CIGNA | $35 | $720 | $755 | 8.72% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH & LIFE INSURANCE CO EIN 59-1031071 CLAIMS PROCESSING | Claims processing; Direct payment from the plan Service code 12 | — | $97K |
| CIGNA HEALTH & LIFE INSURANCE COMPA | Named fiduciary; Other services; Claims processing; Direct payment from the plan; Non-monetary compensation; Participant communication; Float revenue; Contract Administrator Service code 12 | — | $0 |
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 | 246 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 246 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA | 246 | $1.3M |
| Dental | CIGNA | 148 | $189K |
| Vision | VISION SERVICE PLAN | 81 | $11K |
| Life insurance | CIGNA | 0 | $34K |
| Long-term disability | CIGNA | 0 | $33K |
| Other | CIGNA | 0 | $9K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 246 | — |
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.