| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ADALSAN INC3 Filed as: ADALSAN INC. | 55 MEADOWOOD DR. JERICHO, NY 11753 | UNITEDHEALTHCARE INSURANCE COMPANY | $61K | — | $61K | 2.16% |
| XPRN ENTERPRISES3 | 3476 MAJOR DR. W. WANTAGH, NY 11793 | UNITEDHEALTHCARE INSURANCE COMPANY | $51K | — | $51K | 1.84% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC. | 225 WIRELESS BLVD STE 200 HAUPPAUGE, NY 11788 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $22K | $22K | 0.79% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BOULEVARD STE 200 HAUPPAUGE, NY 117883914 | UNITEDHEALTHCARE INSURANCE COMPANY | $6K | $903 | $7K | 5.82% |
| ADALSAN INC3 | 55 MEADOWWWOOD DR JERICHO, NY 117532833 | UNITEDHEALTHCARE INSURANCE COMPANY | $1K | — | $1K | 1.20% |
| XPRN ENTERPRISES3 | 3476 MAJOR DR W WANTAGH, NY 11793 | UNITEDHEALTHCARE INSURANCE COMPANY | $1K | — | $1K | 0.94% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BOULEVARD 2ND FLOOR HAUPPAUGE, NY 11788 | GUARDIAN | $15K | $3K | $18K | 15.74% |
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 | 281 | 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) | 281 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 336 | $2.8M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 356 | $118K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 356 | $118K |
| Life insurance | GUARDIAN | 281 | $117K |
| Long-term disability | GUARDIAN | 281 | $117K |
| Other | GUARDIAN | 281 | $117K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 356 | — |
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.