| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INS SVCS LLC | 35 PINELAWN ROAD SUITE 280 EAST MELVILLE, NY 11747 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $54K | $54K | 5.08% |
| FNA INSURANCE SERVICES INC3 Filed as: FNA INS SERVICES, INC | 300 CONNELL DRIVE SUITE 3000 BERKELEY HEIGHTS, NY 07922 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $32K | $32K | 3.05% |
| PREMIER BENEFIT PLANS INC3 Filed as: PREMIER BENEFIT PLANS, INC | 35 PINELAWN ROAD SUITE 208E MELVILLE, NY 11747 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $27K | $27K | 2.53% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INSURANCE SERVICES,L | 501 OFFICE CENTER DRIVE SUITE 215 FORT WASHINGTON, PA 19034 | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | $5K | — | $5K | 8.15% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INSURANCE SERVICES, | ONE HUNTINGTON QUADRANGLE SUITE 4N10 MELVILLE, NY 11747 | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | $3K | — | $3K | 4.64% |
| FNA INSURANCE SERVICES INC3 Filed as: FNA INS SERVICES INC | 300 CONNELL DRIVE SUITE 3000 BERKELEY HEIGHTS, NJ 07922 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | — | $3K | $3K | 4.93% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INS SVCS | 35 PINELAWN ROAD SUITE 280 EAST MELVILLE, NY 11747 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $3K | — | $3K | 4.64% |
| PREMIER BENEFIT PLANS INC3 | 35 PINELAWN ROAD SUITE 208E MELVILLE, NY 11747 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $1K | — | $1K | 2.32% |
| PREMIER BENEFIT PLANS INC3 | 35 PINELAWN ROAD SUITE 208E MELVILLE, NY 11747 | COMPANION LIFE INSURANCE COMPANY | $578 | $741 | $1K | 7.44% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INSURANCE SVCS LLC | 35 PINELAWN ROAD MELVILLE, NY 11747 | COMPANION LIFE INSURANCE COMPANY | $1K | — | $1K | 6.74% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GI GEORGE PARENT LP | 501 OFFICE CENTER DRIVE SUITE 215 FORT WASHINGTON, PA 19034 | COMPANION LIFE INSURANCE COMPANY | — | $329 | $329 | 1.86% |
| PREMIER BENEFIT PLANS INC3 | — | TELADOC HEALTH, INC. | $892 | — | $892 | 15.00% |
| A SECURE YOU INC3 | 63 SABLE RUN EAST AMHERST, NY 14051 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $350 | — | $350 | 9.11% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INSURANCE SER | 501 OFFICE CENTER DRIVE SUITE 215 FORT WASHINGTON, PA 19034 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $336 | — | $336 | 8.74% |
| ROGERS BENEFIT GROUP INC3 Filed as: M ROGERS GROUP LLC | PO BOX 853 GEORGETOWN, CO 80444 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $270 | — | $270 | 7.02% |
| PREMIER BENEFIT PLANS INC3 | 35 PINELAWN ROAD SUIE 280E MELVILLE, NY 11747 | MUTUAL OF OMAHA INSURANCE COMPANY | $93 | $119 | $212 | 7.47% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INSURANCE SVCS LLC | 35 PINELAWN ROAD SUITE 280E MELVILLE, NY 11747 | MUTUAL OF OMAHA INSURANCE COMPANY | $191 | — | $191 | 6.73% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GI GEORGE PARENT LP | 501 OFFICE CENTER DRIVE SUITE 215 FORT WASHINGTON, PA 19034 | MUTUAL OF OMAHA INSURANCE COMPANY | — | $53 | $53 | 1.87% |
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 | 195 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 196 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 95 | $1.1M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 105 | $63K |
| Vision | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | 87 | $66K |
| Life insurance(2 contracts, 2 carriers) | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | 194 | $83K |
| Short-term disability | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | 87 | $66K |
| Long-term disability | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | 87 | $66K |
| Other(5 contracts, 5 carriers) | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | 194 | $96K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 194 | — |
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."
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.