| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLINA & LACAVA BENEFITS PLUS3 | JOHN OLSEN LANE ST. JAMES, NY 11780 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $30K | — | $30K | 10.18% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BOULEVARD 2ND FLOOR HAUPPAUGE, NY 11788 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $16K | $16K | 5.56% |
| GALLINA & LACAVA BENEFITS PLUS3 | 18 LT JOHN OLSEN LANE SAINT JAMES, NY 11780 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $4K | — | $4K | 7.08% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS INC. | 225 WIRELESS BOULEVARD 2ND FLOOR HAUPPAUGE, NY 11788 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | — | $2K | $2K | 3.97% |
| RONALD A GALLINA3 | 64 ELDERWOOD DRIVE SAINT JAMES, NY 11780 | UNITEDHEALTHCARE INSURANCE COMPANY | $845 | — | $845 | 11.21% |
| PROFESSIONAL GROUP PLAN INC3 Filed as: PROFESSIONAL GROUP PLAN, INC. | 225 WIRELESS BOULEVARD HAUPPAUGE, NY 11788 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $845 | $845 | 11.21% |
| BENEFITS PLUS FINANCIAL SERVICES IN3 Filed as: BENEFITS PLUS FNCL SVCS INC | 18 LT JOHN OLSEN LANE ST JAMES, NY 11780 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $766 | — | $766 | 10.91% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BOULEVARD #308 HAUPPAUGE, NY 11788 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $351 | $351 | 5.00% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BOULEVARD FLOOR 2 HAUPPAUGE, NY 11788 | COMPANION LIFE INSURANCE COMPANY | $636 | $318 | $954 | 15.00% |
| BENEFITS PLUS FINANCIAL SERVICES IN3 Filed as: BENEFITS PLUS FNCL SVCS INC | 18 LT JOHN OLSEN LANE ST JAMES, NY 11780 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $927 | — | $927 | 15.00% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GRP PLANS INC | 225 WIRELESS BOULEVARD #308 HAUPPAUGE, NY 11788 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $309 | $309 | 5.00% |
| BENEFITS PLUS FINANCIAL SERVICES IN3 | 18 LT JOHN OLSEN LANE SAINT JAMES, NY 11780 | PRINCIPAL LIFE INSURANCE COMPANY | $403 | — | $403 | 7.87% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS INC. | 225 WIRELESS BOULEVARD 2ND FLOOR HAUPPAUGE, NY 11788 | PRINCIPAL LIFE INSURANCE COMPANY | — | $240 | $240 | 4.69% |
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 | 107 | 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) | 107 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 97 | $295K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 96 | $52K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 92 | $8K |
| Life insurance(2 contracts, 2 carriers) | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 95 | $13K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 31 | $5K |
| Long-term disability | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 95 | $6K |
| Other(2 contracts, 2 carriers) | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 95 | $13K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 97 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.