| 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 | — | $87K | $87K | 4.99% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC | 225 WIRELESS BOULEVARD SUITE 200 HAUPPAUGE, NY 11788 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $35K | $35K | 1.98% |
| KGK AGENCY, INC3 | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $813 | $813 | 0.05% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $325 | $325 | 0.02% |
| K G K AGENCY INC3 | 575 JERICHO TURNPIKE SUITE 202 JERICHO, NY 11753 | FIRST UNUM LIFE INSURANCE COMPANY | $8K | — | $8K | 8.11% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BOULEVARD 2ND FLOOR HAUPPAUGE, NY 11788 | FIRST UNUM LIFE INSURANCE COMPANY | $2K | — | $2K | 2.19% |
| PROFESSIONAL GROUP PLAN INC3 | 225 WIRELESS BOULEVARD 2ND FLOOR HAUPPAUGE, NY 11788 | FIRST UNUM LIFE INSURANCE COMPANY | $732 | — | $732 | 0.76% |
| K G K AGENCY INC3 | 575 JERICHO TURNPIKE SUITE 202 JERICHO, NY 11753 | FIRST UNUM LIFE INSURANCE COMPANY | $18K | — | $18K | 19.19% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BOULEVARD 2ND FLOOR HAUPPAUGE, NY 11788 | FIRST UNUM LIFE INSURANCE COMPANY | $756 | — | $756 | 0.81% |
| KGK AGENCY, INC3 | 575 JERICHO TURNPIKE SUITE 202 JERICHO, NY 11753 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $6K | — | $6K | 7.73% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC | 225 WIRELESS BOULEVARD SUITE 200 HAUPPAUGE, NY 11788 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | — | $3K | $3K | 3.53% |
| K G K AGENCY INC3 | 575 JERICHO TURNPIKE SUITE 202 JERICHO, NY 11753 | FIRST UNUM LIFE INSURANCE COMPANY | $7K | — | $7K | 11.72% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BOULEVARD 2ND FLOOR HAUPPAUGE, NY 11788 | FIRST UNUM LIFE INSURANCE COMPANY | $5K | — | $5K | 8.28% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BOULEVARD 2ND FLOOR HAUPPAUGE, NY 11788 | FIRST UNUM LIFE INSURANCE COMPANY | $534 | — | $534 | 0.86% |
| K G K AGENCY INC3 Filed as: K.G.K. AGENCY INC | 575 JERICHO TURNPIKE SUITE 202 JERICHO, NY 11753 | SHELTERPOINT LIFE INSURANCE COMPANY | $4K | — | $4K | 8.46% |
| K G K AGENCY INC3 | 575 JERICHO TURNPIKE SUITE 202 JERICHO, NY 11753 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $701 | — | $701 | 15.13% |
| THOMAS CHRISTOPHER SMITH3 | 798 BERRY ROAD PO BOX 40386 NASHVILLE, TN 37204 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $342 | $40 | $382 | 8.24% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BOULEVARD 2ND FLOOR HAUPPAUGE, NY 11788 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $97 | — | $97 | 2.09% |
| KGK AGENCY, INC3 | 575 JERICHO TURNPIKE SUITE 202 JERICHO, NY 11753 | CIGNA HEALTHCARE OF CONNECTICUT, INC. | $461 | — | $461 | 9.99% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC | 225 WIRELESS BOULEVARD SUITE 200 HAUPPAUGE, NY 11788 | CIGNA HEALTHCARE OF CONNECTICUT, INC. | — | $185 | $185 | 4.01% |
| KGK AGENCY, INC3 | 575 JERICHO TURNPIKE SUITE 202 JERICHO, NY 11753 | CIGNA DENTAL HEALTH OF NEW JERSEY, INC. | $454 | — | $454 | 10.00% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC. | 225 WIRELESS BOULEVARD SUITE 200 HAUPPAUGE, NY 11788 | CIGNA DENTAL HEALTH OF NEW JERSEY, INC. | — | $182 | $182 | 4.01% |
| KGK AGENCY, INC3 | 575 JERICHO TURNPIKE SUITE 202 JERICHO, NY 11753 | CIGNA DENTAL HEALTH OF FLORIDA, INC. | $186 | — | $186 | 9.99% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC | 225 WIRELESS BOULEVARD SUITE 200 HAUPPAUGE, NY 11788 | CIGNA DENTAL HEALTH OF FLORIDA, INC. | — | $74 | $74 | 3.98% |
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 | 188 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 193 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 96 | $1.8M |
| Dental(4 contracts, 4 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 80 | $87K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 80 | $76K |
| Life insurance(2 contracts) | FIRST UNUM LIFE INSURANCE COMPANY | 173 | $159K |
| Short-term disability(2 contracts, 2 carriers) | SHELTERPOINT LIFE INSURANCE COMPANY | 121 | $51K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 173 | $97K |
| Other(3 contracts) | FIRST UNUM LIFE INSURANCE COMPANY | 173 | $252K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 173 | — |
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.