| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ADALSAN INC3 | 55 MEADOWWWOOD DR JERICHO, NY 117532833 | UNITEDHEALTHCARE INSURANCE COMPANY | $96K | — | $96K | 4.01% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BOULEVARD STE 200 HAUPPAUGE, NY 117883914 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $21K | $21K | 0.88% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BOULEVARD 2ND FLOOR HAUPPAUGE, NY 11788 | GUARDIAN | $6K | — | $6K | 6.50% |
| ALFRED SUZAN3 | 55 MEADOWLAND DRIVE JERICHO, NY 11753 | GUARDIAN | $4K | — | $4K | 5.02% |
| ADALSAN INC3 | 55 MEADOWWWOOD DR JERICHO, NY 117532833 | UNITEDHEALTHCARE INSURANCE COMPANY | $4K | — | $4K | 6.23% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BOULEVARD STE 200 HAUPPAUGE, NY 117883914 | UNITEDHEALTHCARE INSURANCE COMPANY | $4K | — | $4K | 5.99% |
| ADALSAN INC3 | 333 EARLE OVINGTON BLVD UNIONDALE, NY 11553 | AETNA LIFE INSURANCE CO. | $2K | — | $2K | 7.28% |
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 | 273 | 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) | 273 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 319 | $2.4M |
| Dental(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 318 | $87K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 318 | $65K |
| Life insurance | GUARDIAN | 273 | $86K |
| Long-term disability | GUARDIAN | 273 | $86K |
| Other | GUARDIAN | 273 | $86K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 319 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.