| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KGK AGENCY, INC3 | 7600 JERICHO TURNPIKE WOODBURY, NY 11797 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $136K | — | $136K | 5.00% |
| HEALTHY BUSINESS GROUP LLC3 | 34 BAY STREET PO BOX 1346 SAG HARBOR, NY 11963 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $58K | $58K | 2.12% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC. | 225 WIRELESS BOULEVARD 2ND FLOOR HAUPPAUGE, NY 11788 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $54K | $54K | 2.00% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BOULEVARD SUITE 200 HAUPPAUGE, NY 11788 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $11K | $4K | $15K | 12.62% |
| K G K AGENCY INC3 | 7600 JERICHO TURNPPIKE WOODBURY, NY 11797 | FIRST UNUM LIFE INSURANCE COMPANY | $20K | — | $20K | 19.00% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BOULEVARD 2ND FLOOR HAUPPAUGE, NY 11788 | FIRST UNUM LIFE INSURANCE COMPANY | $1K | — | $1K | 1.00% |
| K G K AGENCY INC3 | 7600 JERICHO TURNPIKE SUITE 410 WOODBURY, NY 11797 | FIRST UNUM LIFE INSURANCE COMPANY | $8K | — | $8K | 7.87% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BOULEVARD 2ND FLOOR HAUPPAUGE, NY 11788 | FIRST UNUM LIFE INSURANCE COMPANY | $2K | — | $2K | 2.57% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESSS BOULEVARD 2ND FLOOR HAUPPAUGE, NY 11788 | FIRST UNUM LIFE INSURANCE COMPANY | $10K | — | $10K | 10.84% |
| K G K AGENCY INC3 | 7600 JERICHO TURNPIKE SUITE 410 WOODBURY, NY 11797 | FIRST UNUM LIFE INSURANCE COMPANY | $10K | — | $10K | 10.84% |
| K G K AGENCY INC3 Filed as: K.G.K. AGENCY INC | 7600 JERICHO TURNPIKE SUITE 410 WOODBURY, NY 11797 | SHELTERPOINT LIFE INSURANCE COMPANY | $1K | — | $1K | 5.48% |
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 | 240 | 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) | 240 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 148 | $2.7M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 141 | $118K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 141 | $118K |
| Life insurance(2 contracts) | FIRST UNUM LIFE INSURANCE COMPANY | 284 | $188K |
| Short-term disability | SHELTERPOINT LIFE INSURANCE COMPANY | 232 | $19K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 284 | $97K |
| Other(3 contracts) | FIRST UNUM LIFE INSURANCE COMPANY | 284 | $295K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 284 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.