| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PROFILE BENEFITS INC.3 | 320 SOUTH SERVICE ROAD MELVILLE, NY 11747 | OXFORD HEALTH INSURANCE, INC. | $28K | — | $28K | 2.86% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC. | 225 WIRELESS BOULEVARD SUITE 200 HAUPPAUGE, NY 11788 | OXFORD HEALTH INSURANCE, INC. | — | $16K | $16K | 1.70% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS | 225 WIRELESS BOULEVARD 2ND FLOOR HAUPPAUGE, NY 11788 | HEALTHPLEX INSURANCE COMPANY | $6K | — | $6K | 12.83% |
| PENSION & WEALTH CONSULTANTS LLC3 | 320 SOUTH SERVICE ROAD MELVILLE, NY 11747 | AFLAC | $8K | — | $8K | 20.59% |
| JAIME M. BAUM3 Filed as: JAIME BAUM | 22 WILLOW POND LANE MILLER PLACE, NY 11764 | AFLAC | $5K | — | $5K | 13.63% |
| ALLAN H. MARKOWITZ3 Filed as: ALLAN MARKOWITZ | 17 LINDSEY PLACE HOLBROOK, NY 11741 | AFLAC | $3K | — | $3K | 7.69% |
| MICHAEL PASQUALY DESTEFANO3 Filed as: MICHAEL DESTAFANO | 4250 VATERANS MEMORIAL HIGHWAY SUITE 1015W HOLBROOK, NY 11741 | AFLAC | $2K | — | $2K | 4.39% |
| BRIEN C FLETCHER3 | 15 GARDEN AVENUE CARLE PLACE, NY 11514 | AFLAC | $47 | — | $47 | 0.12% |
| WILLIAM J LOEFFERT3 Filed as: WILLIAM LOEFFERT | 555 BROADHOLLOW ROAD SUITE 201 MELVILLE, NY 11747 | AFLAC | $19 | — | $19 | 0.05% |
| GREGORY MALONEY3 | 1300 VETERANS HIGHWAY SUITE 210 HAUPPAUGE, NY 11788 | AFLAC | $19 | — | $19 | 0.05% |
| DOMENICO V MAUTARELLI3 Filed as: DOMENICO MAUTARELLI | PO BOX 767 MATTITUCK, NY 11952 | AFLAC | $15 | — | $15 | 0.04% |
| THE FARMINGTON COMPANY3 Filed as: FARMINGTON COMPANY | 30 WATERSIDE DRIVE FARMINGTON, CT 06034 | AFLAC | $12 | — | $12 | 0.03% |
| KENNETH C MEIER CORP3 | 401 FRANKLIN AVENUE SUITE 312 GARDEN CITY, NY 11530 | AFLAC | $8 | — | $8 | 0.02% |
| JAMES (JAY) GRIMES3 Filed as: JAMES GRIMES | 6165 WATERFORD ROAD COLUMBUS, GA 31904 | AFLAC | $6 | — | $6 | 0.02% |
| GALE LOEFFERT3 | 545 DAVIS STREET NORTH BABYLON, NY 11703 | AFLAC | $6 | — | $6 | 0.02% |
| FINANCIAL LIBERTY GROUP3 Filed as: FINANCIAL LIBERTY GROUP, INC | 115 BROAD HOLLOW ROAD SUITE 375 MELVILLE, NY 11747 | AFLAC | $6 | — | $6 | 0.02% |
| ANTHONY P DELUCA3 Filed as: ANTHONY ROMEO | 1300 VETERANS HIGHWAY SUITE 210 HAUPPAUGE, NY 11788 | AFLAC | $4 | — | $4 | 0.01% |
| MICHAEL S CHILLE3 | 22 CORPORATE WOODS BOULEVARD 4TH FLOOR ALBANY, NY 12211 | AFLAC | $2 | — | $2 | 0.01% |
| LOUIS R FAIOLA3 | 12 HAAWK COURT DELMAR, NY 12054 | AFLAC | $1 | — | $1 | 0.00% |
| TODD J BURKE CORP3 | 2 IRIS LANE GARDEN CITY, NY 11530 | AFLAC | $1 | — | $1 | 0.00% |
| MCINERNEY GROUP LLC3 | 580 WHITE PLAINS ROAD SUITE 600 TARRYTOWN, NY 10591 | AFLAC | $1 | — | $1 | 0.00% |
| KATHERINE C WOOD3 Filed as: KATHERINE GRIMES | PO BOX 906 FOLLY BEACH, SC 29439 | AFLAC | $1 | — | $1 | 0.00% |
| PROFILE BENEFITS INC.3 Filed as: PROFILE BENEFITS INC | 320 SOUTH SERVICE ROAD MELVILLE, NY 11747 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $2K | — | $2K | 9.37% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BOULEVARD #308 HAUPPAUGE, NY 11788 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $919 | $919 | 5.00% |
| PROFILE BENEFITS INC.3 Filed as: PROFILE BENEFITS INC | 320 SOUTH SERVICE ROAD MELVILLE, NY 11747 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $2K | — | $2K | 15.00% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BOULEVARD #308 HAUPPAUGE, NY 11788 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $627 | $627 | 5.00% |
| PROFILE BENEFITS INC.3 Filed as: PROFILE BENEFITS INC | 320 SOUTH SERVICE ROAD MELVILLE, NY 11747 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $1K | — | $1K | 11.66% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BOULEVARD #308 HAUPPAUGE, NY 11788 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $482 | $482 | 5.00% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS | 225 WIRELESS BOULEVARD 2ND FLOOR HAUPPAUGE, NY 11788 | DENTCARE DELIVERY SYSTEMS | $1K | — | $1K | 13.84% |
| PROFILE BENEFITS INC.3 Filed as: PROFILE BENEFITS INC | 320 SOUTH SERVICE ROAD MELVILLE, NY 11747 | UNITEDHEALTHCARE INSURANCE COMPANY | $848 | — | $848 | 10.00% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS | 225 WIRELESS BOULEVARD 2ND FLOOR HAUPPAUGE, NY 11788 | UNITEDHEALTHCARE INSURANCE COMPANY | $424 | — | $424 | 5.00% |
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 | 190 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 191 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | OXFORD HEALTH INSURANCE, INC. | 133 | $971K |
| Dental(2 contracts, 2 carriers) | HEALTHPLEX INSURANCE COMPANY | 77 | $55K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 179 | $8K |
| Life insurance | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 171 | $10K |
| Short-term disability | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 169 | $18K |
| Long-term disability | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 171 | $13K |
| Other(3 contracts, 3 carriers) | AFLAC | 202 | $56K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 202 | — |
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.