| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE PARTNERS GROUP3 Filed as: TPG GROUP INC | 25 SEIR HILL ROAD NORWALK, CT 06850 | CIGNA HEALTH&LIFE INSURANCE COMPANY | $0 | $104K | $104K | 5.02% |
| THE PARTNERS GROUP3 Filed as: TPG GROUP | 25 SEIR HILL ROAD NORWALK, CT 06850 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | $0 | $6K | 3.52% |
| THE PARTNERS GROUP3 Filed as: TPG GROUP INC | 25 SEIR HILL ROAD NORWALK, CT 06850 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $0 | $7K | 13.45% |
| BENEFITS PLUS FINANCIAL SERVICES3 | — | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | $2K | $0 | $2K | 14.57% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC. | — | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | $0 | $1K | $1K | 6.12% |
| PROFESSIONAL GROUP PLANS INC3 | — | COMPANION LIFE INSURANCE COMPANY | $1K | $605 | $2K | 15.00% |
| BENEFITS PLUS FINANCIAL SERVICES3 | — | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | $1K | $0 | $1K | 11.33% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC. | — | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | $0 | $716 | $716 | 5.99% |
| BENEFITS PLUS FINANCIAL SERVICES3 Filed as: BENEFITS PLUS FINANCIAL SERVCES | — | PRINCIPAL LIFE INSURANCE COMPANY | $781 | $0 | $781 | 9.18% |
| PROFESSIONAL GROUP PLANS INC3 | — | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $470 | $470 | 5.53% |
| BENEFITS PLUS FINANCIAL SERVICES3 | — | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | $143 | $0 | $143 | 12.18% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC. | — | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | $0 | $71 | $71 | 6.05% |
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 | 183 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 184 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH&LIFE INSURANCE COMPANY | 252 | $2.1M |
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 184 | $164K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 184 | $164K |
| Life insurance(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 220 | $79K |
| Short-term disability(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 220 | $64K |
| Long-term disability(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 220 | $72K |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 220 | $68K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 252 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.