| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BOULEVARD HAUPPAUGE, NY 11788 | HORIZON HEALTHCARE SERVICES, INC. | $51K | $18K | $70K | 4.81% |
| FNA INSURANCE SERVICES INC3 | 100 SUNNYSIDE BOULEVARD WOODBURY, NY 11797 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 20.00% |
| FNA INSURANCE SERVICES INC3 | 100 SUNNYSIDE BOULEVARD WOODBURY, NY 11797 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 14.42% |
| FNA INSURANCE SERVICES INC3 | 180 RIVER ROAD FLOOR 2 SUMMIT, NJ 07901 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | $585 | $3K | 18.45% |
| FNA INSURANCE SERVICES INC3 | 100 SUNNYSIDE BOULEVARD WOODBURY, NY 11797 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 15.00% |
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 | 208 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 6 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 216 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HORIZON HEALTHCARE SERVICES, INC. | 140 | $1.5M |
| Dental | HORIZON HEALTHCARE SERVICES, INC. | 140 | $1.5M |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 146 | $14K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 228 | $38K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 31 | $14K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 31 | $14K |
| Prescription drug | HORIZON HEALTHCARE SERVICES, INC. | 140 | $1.5M |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 228 | $38K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 228 | — |
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.