| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SENTINEL INSURANCE AGENCY, INC.3 Filed as: SENTINEL INSURANCE AGENCY INC | 100 QUANNAPOWITT PKWY, STE 300 WAKEFIELD, MA 01880 | UNITEDHEALTHCARE INSURANCE COMPANY | $134K | $0 | $134K | 3.97% |
| DONALD C SAVOY INC3 Filed as: DONALD C DAVOY INC | 25B HANOVER RD, STE 220 FLORHAM PARK, NJ 079321443 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $36K | $36K | 1.07% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC. | 225 WIRELESS BLVD, STE 200 HAUPPAUGE, NY 117883914 | UNITEDHEALTHCARE INSURANCE COMPANY | — | -$14 | -$14 | -0.00% |
| HOWARD GOLDSTEIN3 | 86 CARLETON AVE EAST ISLIP, NY 117302110 | UNITEDHEALTHCARE INSURANCE COMPANY | -$31 | $0 | -$31 | -0.00% |
| DONALD C SAVOY INC3 | 445 BROADHOLLOW ROAD SUITE 119 MELVILLE, NY 11747 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $24K | $5K | $29K | 14.38% |
| DONALD C SAVOY INC3 | 25B HANOVER RD, STE 220 FLORHAM PARK, NJ 07932 | UNITEDHEALTHCARE INSURANCE COMPANY | $7K | $0 | $7K | 5.07% |
| SENTINEL INSURANCE AGENCY, INC.3 | 100 QUANNAPOWITT PKWY, STE 300 WAKEFIELD, MA 01880 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | $0 | $3K | 2.54% |
| HOWARD GOLDSTEIN3 | 86 CARLETON AVE EAST ISLIP, NY 11730 | UNITEDHEALTHCARE INSURANCE COMPANY | -$19 | $0 | -$19 | -0.01% |
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 | 373 | 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) | 373 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | UNITEDHEALTHCARE INSURANCE COMPANY | 373 | $3.5M |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 292 | $201K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 292 | $201K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 292 | $201K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 292 | $201K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 373 | — |
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.