| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC. | 225 WIRELESS BOULEVARD, 2ND FLOOR HAUPPAUGE, NY 11788 | EMBLEMHEALTH | $67K | $0 | $67K | 2.67% |
| ONEGROUP NY INC3 | 706 NORTH CLINTON STREET SYRACUSE, NY 13204 | EMBLEMHEALTH | $17K | $0 | $17K | 0.66% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 250 PEHLE AVENUE, SUITE 400 SADDLE BROOK, NJ 07663 | EMBLEMHEALTH | $16K | $0 | $16K | 0.66% |
| ONEGROUP NY INC3 Filed as: ONEGROUP NY INC. | 706 NORTH CLINTON STREET SYRACUSE, NY 13204 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $11K | $0 | $11K | 8.11% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC. | 225 WIRELESS BOULEVARD, 2ND FLOOR HAUPPAUGE, NY 11788 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $3K | $3K | 2.25% |
| ONEGROUP NY INC3 Filed as: ONEGROUP NY INC. | 706 NORTH CLINTON STREET SYRACUSE, NY 13204 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $5K | $244 | $6K | 9.89% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS | 225 WIRELESS BOULEVARD, SUITE 200 HAUPPAUGE, NY 11788 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $0 | $904 | $904 | 1.57% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH AND MCLENNAN AGENCY | 2300 RENAISSANCE BOULEVARD KING OF PRUSSIA, PA 19406 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $494 | $0 | $494 | 0.86% |
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 | 243 | 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) | 243 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EMBLEMHEALTH | 187 | $2.5M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 243 | $131K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 243 | $131K |
| Life insurance | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | 190 | $57K |
| Long-term disability | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | 190 | $57K |
| Prescription drug | EMBLEMHEALTH | 187 | $2.5M |
| Other(2 contracts, 2 carriers) | EMBLEMHEALTH | 190 | $2.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 243 | — |
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.