| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KGK AGENCY, INC3 | 575 JERICHO TURNPIKE SUITE 202 JERICHO, NY 11753 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $90K | $90K | 4.60% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC | 225 WIRELESS BOULEVARD 2ND FLOOR HAUPPAUGE, NY 11788 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $39K | $39K | 2.00% |
| K G K AGENCY INC3 | 7600 JERICHO TURNPPIKE SUITE 410 WOODBURY, NY 11797 | FIRST UNUM LIFE INSURANCE COMPANY | $19K | — | $19K | 19.54% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BOULEVARD 2ND FLOOR HAUPPAUGE, NY 11788 | FIRST UNUM LIFE INSURANCE COMPANY | $995 | — | $995 | 1.03% |
| K G K AGENCY INC3 | 7600 JERICHO TURNPIKE SUITE 410 WOODBURY, NY 11797 | FIRST UNUM LIFE INSURANCE COMPANY | $7K | — | $7K | 7.89% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BOULEVARD 2ND FLOOR HAUPPAUGE, NY 11788 | FIRST UNUM LIFE INSURANCE COMPANY | $2K | $142 | $2K | 2.77% |
| PROFESSIONAL GROUP PLANS INC3 | 700 CANAL STREET SUITE 1 STAMFORD, CT 06902 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $8K | $4K | $12K | 15.10% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BOULEVARD 2ND FLOOR HAUPPAUGE, NY 11788 | FIRST UNUM LIFE INSURANCE COMPANY | $6K | $234 | $6K | 10.37% |
| K G K AGENCY INC3 | 7600 JERICHO TURNPIKE SUITE 410 WOODBURY, NY 11797 | FIRST UNUM LIFE INSURANCE COMPANY | $6K | — | $6K | 10.00% |
| K G K AGENCY INC3 Filed as: K.G.K. AGENCY INC | 7600 JERICHO TURNPIKE SUITE 202 JERICHO, NY 11753 | SHELTERPOINT LIFE INSURANCE COMPANY | $2K | — | $2K | 6.71% |
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 | 208 | 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) | 208 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 105 | $2.0M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 96 | $82K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 96 | $82K |
| Life insurance(2 contracts) | FIRST UNUM LIFE INSURANCE COMPANY | 184 | $148K |
| Short-term disability | SHELTERPOINT LIFE INSURANCE COMPANY | 173 | $28K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 184 | $86K |
| Other(3 contracts) | FIRST UNUM LIFE INSURANCE COMPANY | 184 | $245K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 184 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.