| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PILOT BENEFITS GROUP LLC3 Filed as: PILOT BENEFITS GROUP, LLC | 35 PINELAWN ROAD, SUITE 105E MELVILLE, NY 11747 | EMBLEMHEALTH | $209K | $0 | $209K | 3.45% |
| PILOT BENEFITS GROUP LLC3 Filed as: PILOT BENEFITS GROUP | 35 PINELAWN ROAD, SUITE 105E MELVILLE, NY 11747 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | $0 | $6K | 2.26% |
| PILOT BENEFITS GROUP LLC3 | 35 PINELAWN RD., SUITE 105E MELVILLE, NY 11747 | UNION SECURITY LIFE INSURANCE COMPANY OF NEW YORK | $2K | $0 | $2K | 4.14% |
| HEFFERNAN INSURANCE BROKERS3 | 1350 CARLBACK AVE., SUITE 200 WALNUT CREEK, CA 94596 | UNION SECURITY LIFE INSURANCE COMPANY OF NEW YORK | $367 | $0 | $367 | 0.86% |
| PILOT BENEFITS GROUP LLC3 | 35 PINELAWN RD., SUITE 105E MELVILLE, NY 11747 | UNION SECURITY LIFE INSURANCE COMPANY OF NEW YORK | $610 | $0 | $610 | 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 | 809 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 818 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EMBLEMHEALTH | 461 | $6.1M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 528 | $262K |
| Vision | HM LIFE INSURANCE COMPANY | 707 | $31K |
| Life insurance(2 contracts) | UNION SECURITY LIFE INSURANCE COMPANY OF NEW YORK | 809 | $55K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 289 | $74K |
| Prescription drug | EMBLEMHEALTH | 461 | $6.1M |
| Other(3 contracts, 2 carriers) | UNION SECURITY LIFE INSURANCE COMPANY OF NEW YORK | 809 | $76K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 809 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.