| 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 | — | $74K | $74K | 4.07% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC | 225 WIRELESS BOULEVARD SUITE 200 HAUPPAUGE, NY 11788 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $36K | $36K | 2.00% |
| K G K AGENCY INC3 | 575 JERICHO TURNPIKE SUITE 202 JERICHO, NY 11753 | FIRST UNUM LIFE INSURANCE COMPANY | $8K | — | $8K | 8.24% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BOULEVARD 2ND FLOOR HAUPPAUGE, NY 11788 | FIRST UNUM LIFE INSURANCE COMPANY | $5K | — | $5K | 5.00% |
| KGK AGENCY, INC3 | 575 JERICHO TURNPIKE SUITE 202 JERICHO, NY 11753 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $6K | — | $6K | 7.70% |
| 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 | 4.42% |
| K G K AGENCY INC3 | 575 JERICHO TURNPIKE SUITE 202 JERICHO, NY 11753 | FIRST UNUM LIFE INSURANCE COMPANY | $12K | — | $12K | 20.00% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BOULEVARD 2ND FLOOR HAUPPAUGE, NY 11788 | FIRST UNUM LIFE INSURANCE COMPANY | $3K | — | $3K | 5.00% |
| K G K AGENCY INC3 | 575 JERICHO TURNPIKE SUITE 202 JERICHO, NY 11753 | FIRST UNUM LIFE INSURANCE COMPANY | $9K | — | $9K | 18.83% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BOULEVARD 2ND FLOOR HAUPPAUGE, NY 11788 | FIRST UNUM LIFE INSURANCE COMPANY | $587 | — | $587 | 1.18% |
| K G K AGENCY INC3 Filed as: K.G.K. AGENCY INC | 575 JERICHO TURNPIKE SUITE 202 JERICHO, NY 11753 | SHELTERPOINT LIFE INSURANCE COMPANY | $1K | — | $1K | 2.80% |
| KGK AGENCY, INC3 | 575 JERICHO TURNPIKE SUITE 202 JERICHO, NY 11753 | CIGNA DENTAL HEALTH OF NEW JERSEY, INC. | $490 | — | $490 | 10.01% |
| 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. | — | $245 | $245 | 5.00% |
| KGK AGENCY, INC3 | 575 JERICHO TURNPIKE SUITE 202 JERICHO, NY 11753 | CIGNA HEALTHCARE OF CONNECTICUT, INC. | $420 | — | $420 | 10.01% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC | 225 WIRELESS BOULEVARD SUITE 200 HAUPPAUGE, NY 11788 | CIGNA HEALTHCARE OF CONNECTICUT, INC. | — | $210 | $210 | 5.00% |
| KGK AGENCY, INC3 | 575 JERICHO TURNPIKE SUITE 202 JERICHO, NY 11753 | CIGNA DENTAL HEALTH OF FLORIDA, INC. | $154 | — | $154 | 10.01% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC | 225 WIRELESS BOULEVARD SUITE 200 HAUPPAUGE, NY 11788 | CIGNA DENTAL HEALTH OF FLORIDA, INC. | — | $77 | $77 | 5.00% |
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 | 176 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 6 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 185 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 87 | $1.8M |
| Dental(4 contracts, 4 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 80 | $88K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 80 | $78K |
| Life insurance(2 contracts) | FIRST UNUM LIFE INSURANCE COMPANY | 161 | $154K |
| Short-term disability | SHELTERPOINT LIFE INSURANCE COMPANY | 148 | $46K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 161 | $93K |
| Other(3 contracts) | FIRST UNUM LIFE INSURANCE COMPANY | 161 | $204K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 161 | — |
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.