| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PROFESSIONAL GROUP PLANNING INC3 | 225 WIRELESS BLVD FL2 HAUPPAUGE, NY 11788 | FIRST UNUM LIFE INS CO | $0 | $2K | $2K | 5.00% |
| WINWOOD ASSOCIATES LTD3 | 43 CROSSWAY DR DEER PARK, NY 11729 | FIRST UNUM LIFE INS CO | $2K | $0 | $2K | 4.99% |
| LOUIS C CILIBERTI & ASSOCIATES3 Filed as: LOUIS C CILIBERTI | 980 OLD COUNTRY RD PLAINVIEW, NY 11803 | FIRST UNUM LIFE INS CO | $2K | $0 | $2K | 4.99% |
| WINWOOD ASSOCIATES LTD3 | 43 CROSSWAY DR DEER PARK, NY 11729 | FIRST UNUM LIFE INS CO | $3K | $0 | $3K | 7.50% |
| LOUIS C CILIBERTI & ASSOCIATES3 Filed as: LOUIS C CILIBERTI | 980 OLD COUNTRY RD PLAINVIEW, NY 11803 | FIRST UNUM LIFE INS CO | $3K | $0 | $3K | 7.50% |
| PROFESSIONAL GROUP PLANNING INC3 | 225 WIRELESS BLVD FL2 HAUPPAUGE, NY 11788 | FIRST UNUM LIFE INS CO | $0 | $2K | $2K | 5.00% |
| LOUIS C CILIBERTI & ASSOCIATES3 Filed as: LOUIS C CILIBERTI | 980 OLD COUNTRY RD PLAINVIEW, NY 11803 | FIRST UNUM LIFE INS CO | $58 | $0 | $58 | 1.99% |
| LOUIS C CILIBERTI & ASSOCIATES3 Filed as: LOUIS C CILIBERTI | 980 OLD COUNTRY RD PLAINVIEW, NY 11803 | PROVIDENT LIFE AND ACCIDENT INS CO | $30 | $0 | $30 | 1.09% |
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 | 32 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 32 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | FIRST UNUM LIFE INS CO | 29 | $36K |
| Short-term disability(2 contracts, 2 carriers) | FIRST UNUM LIFE INS CO | 5 | $6K |
| Long-term disability | FIRST UNUM LIFE INS CO | 32 | $37K |
| Other | FIRST UNUM LIFE INS CO | 29 | $36K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 32 | — |
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.