| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MATTHEW W. LIPPMAN3 | PO BOX 404 REMSENBURG, NY 11960 | EMBLEMHEALTH | $61K | $0 | $61K | 3.80% |
| THE DBL CENTER LTD3 | 155 PINELAWN ROAD, SUITE 120 SOUTH MELVILLE, NY 11747 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $3K | $7K | 8.07% |
| MATTHEW W. LIPPMAN3 | PO BOX 404 REMSENBURG, NY 11960 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | $0 | $5K | 6.28% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC. | 225 WIRELESS BOULEVARD, 2ND FLOOR HAUPPAUGE, NY 11788 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $13 | $4K | 5.03% |
| MATTHEW W. LIPPMAN3 | PO BOX 404 REMSENBURG, NY 11960 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $0 | $3K | 3.83% |
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 | 323 | 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) | 323 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EMBLEMHEALTH | 158 | $1.6M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 243 | $81K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 323 | $86K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 323 | $86K |
| Prescription drug | EMBLEMHEALTH | 158 | $1.6M |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 323 | $86K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 323 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.