| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DKG INSURANCE & FINANCIAL SERVICES3 | 1133 WESTCHESTER AVE WHITE PLAINS, NY 10604 | AETNA LIFE INSURANCE CO. | $143K | — | $143K | 3.70% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS AGENCY & FINANCIAL | 12404 PARK CENTRAL DR DALLAS, TX 75251 | AETNA LIFE INSURANCE CO. | $35K | — | $35K | 0.89% |
| DKG INSURANCE & FINANCIAL SERVICES3 Filed as: DKG INSURANCE FINANCIAL | NA DALLAS, TX 75251 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY | $4K | — | $4K | 9.49% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | NA SAN DIEGO, CA 92101 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY | -$17 | — | -$17 | -0.04% |
| PAYPRO VENTURES LLC3 | 115 COMAC STREET RONKONKOMA, NY 11779 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $854 | — | $854 | 11.00% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC. | 225 WIRELESS BLVD STE 200 HAUPPAUGE, NC 11788 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $78 | $350 | $428 | 5.51% |
| PAYPRO VENTURES LLC3 | 115 COMAC STREET RONKONKOMA, NY 11779 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $548 | — | $548 | 11.00% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC. | 225 WIRELESS BLVD STE 200 HAUPPAUGE, NC 11788 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $50 | $224 | $274 | 5.50% |
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 | 257 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 257 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 392 | $3.9M |
| Dental | AETNA LIFE INSURANCE CO. | 392 | $3.9M |
| Vision | AETNA LIFE INSURANCE CO. | 392 | $3.9M |
| Life insurance(2 contracts, 2 carriers) | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY | 307 | $49K |
| Long-term disability | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | 94 | $5K |
| Other(2 contracts, 2 carriers) | EQUITABLE FINANCIAL LIFE INSURANCE CO | 94 | $20K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 392 | — |
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.