| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PROFILE BENEFITS INC.3 | 320 SOUTH SERVICE ROAD MELVILLE, NY 11747 | UNITEDHEALTHCARE INSURANCE COMPANY | $32K | — | $32K | 4.00% |
| DONALD C SAVOY INC3 | 25B HANOVER ROAD #B SUITE 220 FLORHAM PARK, NJ 07932 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $10K | $10K | 1.30% |
| PROFILE BENEFITS INC.3 | 320 SOUTH SERVICE ROAD MELVILLE, NY 11747 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $3K | — | $3K | 7.87% |
| DONALD C SAVOY INC3 | 25B HANOVER ROAD #B SUITE 220 FLORHAM PARK, NJ 07932 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $2K | $2K | 4.97% |
| PROFILE BENEFITS INC.3 | 320 SOUTH SERVICE ROAD MELVILLE, NY 11747 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | $1K | — | $1K | 9.07% |
| SAVOY ASSOCIATES3 | 25B HANOVER ROAD SUITE 220 FLORHAM PARK, NJ 07932 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | — | $692 | $692 | 4.54% |
| PROFILE BENEFITS INC.3 Filed as: PROFILE BENEFITS INC | 320 SOUTH SERVICE ROAD MELVILLE, NY 11747 | NEW YORK LIFE INSURANCE COMPANY OF NEW YORK | $1K | — | $1K | 10.04% |
| SAVOY ASSOCIATES3 | 25B HANOVER ROAD #B SUITE 220 FLORHAM PARK, NJ 07932 | NEW YORK LIFE INSURANCE COMPANY OF NEW YORK | — | $617 | $617 | 4.54% |
| PROFILE BENEFITS INC.3 | 320 SOUTH SERVICE ROAD MELVILLE, NY 11747 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | $1K | — | $1K | 13.62% |
| SAVOY ASSOCIATES3 | 25B HANOVER ROAD #B SUITE 220 FLORHAM PARK, NJ 07932 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | — | $484 | $484 | 4.54% |
| PROFILE BENEFITS INC.3 | 320 SOUTH SERVICE ROAD MELVILLE, NY 11747 | UNITEDHEALTHCARE INSURANCE COMPANY | $618 | — | $618 | 9.97% |
| DONALD C SAVOY INC3 | 25B HANOVER RD SUITE 220 FLORHAM PARK, NJ 07932 | UNITEDHEALTHCARE INSURANCE COMPANY | $310 | — | $310 | 5.00% |
| PROFILE BENEFITS INC.3 | 320 SOUTH SERVICE ROAD MELVILLE, NY 11747 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | $296 | — | $296 | 10.89% |
| SAVOY ASSOCIATES3 | 25B HANOVER ROAD SUITE 200 FLORHAM PARK, NJ 07932 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | — | $123 | $123 | 4.53% |
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 | 130 | 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) | 130 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 73 | $793K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 59 | $38K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 74 | $6K |
| Life insurance | NEW YORK LIFE INSURANCE COMPANY OF NEW YORK | 130 | $14K |
| Short-term disability | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | 130 | $15K |
| Long-term disability | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | 130 | $11K |
| Other | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | 130 | $3K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 130 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.