| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMPLOYEE FAMILY PROTECTION INC3 | PO BOX 123 GLASTONBURY, CT 06033 | FIRST UNUM LIFE INSURANCE COMPANY | $56K | $2K | $58K | 5.92% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS | — | DELTA DENTAL OF NEW YORK | $73K | $0 | $73K | 9.99% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD STE 200 HAUPPAUGE, NY 11788 | HARTFORD LIFE AND ACCIDENT | $0 | $24K | $24K | 5.90% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD STE 200 HAUPPAUGE, NY 11788 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | $0 | $5K | 5.00% |
| BENEFIT ADVISORS NETWORK LLC3 | 6830 COCHRAN ROAD SOLON, OH 44139 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $944 | $944 | 0.96% |
| ONEGROUP NY INC3 | 706 N CLINTON ST SYRACUSE, NY 132041327 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $2K | $9K | 12.15% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD STE 200 HAUPPAUGE, NY 117883914 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $2K | $6K | 7.71% |
| ONEGROUP NY INC3 | 706 N CLINTON ST SYRACUSE, NY 132041327 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $2K | $9K | 12.15% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD STE 200 HAUPPAUGE, NY 117883914 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $2K | $6K | 7.71% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC NJ | 30 WATERSIDE DRIVE FARMINGTON, CT 06032 | LIFE INSURANCE COMPANY OF BOSTON AND NEW YORK | $3K | $0 | $3K | 6.49% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC. | 30 WATERSIDE DRIVE FARMINGTON, CT 06034 | FIRST UNUM LIFE INSURANCE COMPANY | $1K | $38 | $1K | 3.91% |
| EOI SERVICE COMPANY INC3 | STE 240 3100 E MIRALOMA AVE ANAHEIM, CA 92806 | FIRST UNUM LIFE INSURANCE COMPANY | $269 | $0 | $269 | 0.75% |
| ONEGROUP NY INC3 | 706 N CLINTON ST SYRACUSE, NY 13204 | FIRST UNUM LIFE INSURANCE COMPANY | $2K | $0 | $2K | 5.00% |
| ONEGROUP NY INC3 | 706 NORTH CLINTON ST SYRACUSE, NY 13204 | ANTHEM LIFE & DISABILITY INSURANCE COMPANY | $2K | $0 | $2K | 18.30% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD STE 200 HAUPPAUGE, NY 11788 | ANTHEM LIFE & DISABILITY INSURANCE COMPANY | $0 | $694 | $694 | 6.10% |
| JOSEPH YEBOAH3 | JP PLANNING GROUP AXA ADVISORS FORT LEE, NJ 07024 | FIRST UNUM LIFE INSURANCE COMPANY | $297 | $0 | $297 | 5.20% |
| SAJI PHILIP3 | 2 GRAMERCY RD MONMOUTH JUNCTION, NJ 08852 | FIRST UNUM LIFE INSURANCE COMPANY | $53 | $0 | $53 | 0.93% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 400 POST AVE STE 210 WESTBURY, NY 11590 | FIRST UNUM LIFE INSURANCE COMPANY | $13 | $0 | $13 | 0.23% |
| ONEGROUP NY INC3 | 706 N CLINTON ST SYRACUSE, NY 13204 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $340 | $0 | $340 | 9.99% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD STE 200 HAUPPAUGE, NY 11788 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $170 | $0 | $170 | 4.99% |
| BENEFIT ADVISORS NETWORK LLC3 | 6830 COCHRAN ROAD SOLON, OH 44139 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $170 | $170 | 4.99% |
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 | 1,543 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 22 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,565 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF NEW YORK | 1,648 | $732K |
| Life insurance(9 contracts, 6 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 1,543 | $1.6M |
| Short-term disability(2 contracts) | FIRST UNUM LIFE INSURANCE COMPANY | 1,543 | $1.0M |
| Long-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 869 | $498K |
| Other(9 contracts, 5 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 1,543 | $1.7M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,648 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.