| 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 | — | $82K | $82K | 3.96% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC | 225 WIRELESS BOULEVARD SUITE 200 HAUPPAUGE, NY 11788 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $42K | $42K | 2.00% |
| KGK AGENCY, INC3 | 575 JERICHO TURNPIKE SUITE 202 JERICHO, NY 11753 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $6K | — | $6K | 7.67% |
| 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 | $6K | — | $6K | 8.11% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BOULEVARD 2ND FLOOR HAUPPAUGE, NY 11788 | FIRST UNUM LIFE INSURANCE COMPANY | $4K | — | $4K | 5.00% |
| K G K AGENCY INC3 | 575 JERICHO TURNPIKE SUITE 202 JERICHO, NY 11753 | FIRST UNUM LIFE INSURANCE COMPANY | $10K | — | $10K | 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 | $8K | — | $8K | 19.00% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BOULEVARD 2ND FLOOR HAUPPAUGE, NY 11788 | FIRST UNUM LIFE INSURANCE COMPANY | $427 | — | $427 | 1.00% |
| 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 | 3.25% |
| KGK AGENCY, INC3 | 575 JERICHO TURNPIKE SUITE 202 JERICHO, NY 11753 | CIGNA DENTAL HEALTH OF NEW JERSEY, INC. | $420 | — | $420 | 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. | — | $210 | $210 | 5.00% |
| KGK AGENCY, INC3 | 575 JERICHO TURNPIKE SUITE 202 JERICHO, NY 11753 | CIGNA HEALTHCARE OF CONNECTICUT, INC. | $420 | — | $420 | 10.00% |
| 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 PENNSYLVANIA, INC. | $105 | — | $105 | 10.00% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC | 225 WIRELESS BOULEVARD SUITE 200 HAUPPAUGE, NY 11788 | CIGNA DENTAL HEALTH OF PENNSYLVANIA, INC. | — | $53 | $53 | 5.05% |
| KGK AGENCY, INC3 | 575 JERICHO TURNPIKE SUITE 202 JERICHO, NY 11753 | CIGNA DENTAL HEALTH OF FLORIDA, INC. | $26 | — | $26 | 9.89% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC | 225 WIRELESS BOULEVARD SUITE 200 HAUPPAUGE, NY 11788 | CIGNA DENTAL HEALTH OF FLORIDA, INC. | — | $13 | $13 | 4.94% |
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 | 172 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 174 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 80 | $2.1M |
| Dental(5 contracts, 5 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 75 | $86K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 75 | $77K |
| Life insurance(2 contracts) | FIRST UNUM LIFE INSURANCE COMPANY | 158 | $122K |
| Short-term disability | SHELTERPOINT LIFE INSURANCE COMPANY | 143 | $35K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 158 | $71K |
| Other(3 contracts) | FIRST UNUM LIFE INSURANCE COMPANY | 158 | $165K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 158 | — |
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.