| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE PARTNERS GROUP3 Filed as: TPG GROUP INC | 25 SEIR HILL ROAD NORWALK, CT 06850 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $117K | $117K | 4.17% |
| THE PARTNERS GROUP Filed as: TPG GROUP | 25 SEIR HILL ROAD NORWALK, CT 06850 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 3.73% |
| THE PARTNERS GROUP3 Filed as: TPG GROUP INC | 25 SEIR HILL ROAD NORWALK, CT 06850 | METROPOLITAN LIFE INSURANCE COMPANT | $9K | — | $9K | 16.43% |
| PROFESSIONAL GROUP PLANS INC3 | — | COMPANION LIFE INSURANCE COMPANY | $2K | $1K | $3K | 18.13% |
| BENEFITS PLUS FINANCIAL SERVICES3 | — | CIGNA LIFE INSURANCE CO OF NEW YORK | $2K | — | $2K | 14.50% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC. | — | CIGNA LIFE INSURANCE CO OF NEW YORK | — | $1K | $1K | 8.58% |
| BENEFITS PLUS FINANCIAL SERVICES3 | — | CIGNA LIFE INSURANCE CO. OF NEW YOR | $1K | — | $1K | 11.48% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC. | — | CIGNA LIFE INSURANCE CO. OF NEW YOR | — | $757 | $757 | 8.26% |
| BENEFITS PLUS FINANCIAL SERVICES3 Filed as: BENEFITS PLUS FINANCIAL SERVCES | — | PRINCIPAL LIFE INSURANCE COMPANY | $724 | — | $724 | 9.43% |
| PROFESSIONAL GROUP PLANS INC3 | — | PRINCIPAL LIFE INSURANCE COMPANY | — | $426 | $426 | 5.55% |
| BENEFITS PLUS FINANCIAL SERVICES3 | — | CIGNA LIFE INSURANCE CO. OF NEW YOR | $116 | — | $116 | 12.02% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC. | — | CIGNA LIFE INSURANCE CO. OF NEW YOR | — | $80 | $80 | 8.29% |
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 | 197 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 197 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 376 | $2.8M |
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 187 | $148K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 187 | $148K |
| Life insurance(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANT | 245 | $82K |
| Short-term disability(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANT | 245 | $64K |
| Long-term disability(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANT | 245 | $70K |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANT | 245 | $74K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 376 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.