| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GALLINA & LACAVA BENEFITS PLUS3 | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $51K | — | $51K | 9.48% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC. | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $28K | $28K | 5.18% |
| GALLINA & LACAVA BENEFITS PLUS3 | 18 LT. JOHN OLSEN LANE STREET ST. JAMES, NY 11780 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $7K | — | $7K | 7.17% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BOULEVARD 2ND FLOOR HAUPPAUGE, NY 11788 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | — | $4K | $4K | 3.97% |
| BENEFITS PLUS FINANCIAL SERVICES IN3 Filed as: BENEFITS PLUS FINANCIAL SERVICES,IN | — | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $2K | $8K | 14.95% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BOULEVARD FLOOR 2 HAUPPAUGE, NY 11788 | COMPANION LIFE INSURANCE COMPANY | $1K | $1K | $2K | 18.46% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS INC. | 225 WIRELESS BOULEVARD SUITE 200 HAUPPAUGE, NY 11788 | PRINCIPAL LIFE INSURANCE COMPANY | — | $805 | $805 | 10.19% |
| BENEFITS PLUS FINANCIAL SERVICES IN3 | 18 LT JOHN OLSEN LANE SAINT JAMES, NY 11780 | PRINCIPAL LIFE INSURANCE COMPANY | $755 | — | $755 | 9.56% |
| THE PARTNERS GROUP3 Filed as: THE PRODUCERS GROUP DBA TPG | 25 SEIR HILL ROAD NORWALK, CT 06850 | VISION SERVICE PLAN | $641 | — | $641 | 8.19% |
| GALLINA & LACAVA BENEFITS PLUS3 Filed as: GALLINA &LACAVA BENEFITS PLUS | 18 LT JOHN OLSEN LANE ST. JAMES, NY 11780 | CIGNA DENTAL HEALTH OF TEXAS, INC. | $316 | — | $316 | 9.99% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC. | 225 WIRELESS BOULEVARD 2ND FLOOR HAUPPAUGE, NY 11788 | CIGNA DENTAL HEALTH OF TEXAS, INC. | — | $126 | $126 | 3.98% |
| GALLINA & LACAVA BENEFITS PLUS3 | 18 LT JOHN OLSEN LANE STREET JAMES, NY 11780 | CIGNA DENTAL HEALTH OF CALIFORNIA, INC. | $237 | — | $237 | 9.99% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC. | 225 WIRELESS BOULEVARD 2ND FLOOR HAUPPAUGE, NY 11788 | CIGNA DENTAL HEALTH OF CALIFORNIA, INC. | — | $95 | $95 | 4.01% |
| GALLINA & LACAVA BENEFITS PLUS3 | 18 LT JOHN OLSEN LANE ST. JAMES, NY 11780 | CIGNA DENTAL HEALTH OF ILLINOIS, INC. | $59 | — | $59 | 9.95% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC. | 225 WIRELESS BOULEVARD 2ND FLOOR HAUPPAUGE, NY 11788 | CIGNA DENTAL HEALTH OF ILLINOIS, INC. | — | $24 | $24 | 4.05% |
| GALLINA & LACAVA BENEFITS PLUS3 Filed as: GALLINA &LACAVA BENEFITS PLUS, | 18 LT JOHN OLSEN LANE ST. JAMES, NY 11780 | CIGNA DENTAL HEALTH OF PENNSYLVANIA, INC. | $59 | — | $59 | 9.95% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC. | 225 WIRELESS BOULEVARD, 2ND FLOOR HAUPPAUGE, NY 11788 | CIGNA DENTAL HEALTH OF PENNSYLVANIA, INC. | — | $24 | $24 | 4.05% |
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 | 102 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 104 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 84 | $535K |
| Dental(5 contracts, 5 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 84 | $98K |
| Vision | VISION SERVICE PLAN | 65 | $8K |
| Life insurance(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 96 | $64K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 27 | $8K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 96 | $51K |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 96 | $64K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 96 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.