| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HEMA KAKAR3 | 36 DEBRA DRIVE DAYTON, NJ 08810 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $107K | $107K | 2.34% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC | 225 WIRELESS BLVD, STE. 200 HAUPPAUGE, NY 11788 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $91K | $91K | 2.00% |
| THE WILSHIRE GROUP LLC3 Filed as: WILSHIRE GROUP, LLC | 405 COLORADO STREET, SUITE 1800 AUSTIN, TX 78701 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $76K | $76K | 1.66% |
| ASURE BENEFITS MANAGEMENT LLC3 | 405 COLORADO STREET, SUITE 1800 AUSTIN, TX 78701 | FIRST UNUM LIFE INSURANCE COMPANY | $10K | — | $10K | 5.50% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC | 225 WIRELESS BLVD STE 200 HAUPPAUGE, NY 11788 | FIRST UNUM LIFE INSURANCE COMPANY | — | $9K | $9K | 5.00% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC | 225 WIRELESS BLVD STE 200 HAUPPAUGE, NY 11788 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | — | $8K | $8K | 4.96% |
| HEMA KAKAR3 | 36 DEBRA DRIVE DAYTON, NJ 08810 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $7K | — | $7K | 4.02% |
| THE WILSHIRE GROUP LLC3 Filed as: WILSHIRE GROUP, LLC | 405 COLORADO STREET, SUITE 1800 AUSTIN, TX 78701 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $5K | — | $5K | 2.93% |
| ASURE BENEFITS MANAGEMENT LLC3 | 405 COLORADO STREET, SUITE 1800 AUSTIN, TX 78701 | FIRST UNUM LIFE INSURANCE COMPANY | $12K | — | $12K | 15.00% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC | 225 WIRELESS BLVD STE 200 HAUPPAUGE, NY 11788 | FIRST UNUM LIFE INSURANCE COMPANY | — | $4K | $4K | 5.00% |
| THE WILSHIRE GROUP LLC3 | 2035 STATE ROUTE 27 STE 1080 EDISON, NJ 08817 | UNITEDHEALTHCARE INSURANCE COMPANY | $649 | — | $649 | 5.01% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS INC. | 225 WIRELESS BLVD, STE. 200 HAUPPAUGE, NY 11788 | UNITEDHEALTHCARE INSURANCE COMPANY | $648 | — | $648 | 5.00% |
| ASURE BENEFITS MANAGEMENT LLC3 | 405 COLORADO STREET, SUITE 1800 AUSTIN, TX 78701 | UNITEDHEALTHCARE INSURANCE COMPANY | $646 | — | $646 | 4.99% |
| ASURE BENEFITS MANAGEMENT LLC3 Filed as: ASURE BENEFIT MANAGEMENT LLC | 405 COLORADO STREET, SUITE 1800 AUSTIN, TX 78701 | METROPOLITAN GENERAL INSURANCE COMPANY | $624 | — | $624 | 6.72% |
| THE WILSHIRE GROUP LLC3 | 2035 LINCOLN HIGHWAY, SUITE 1080 EDISON, NJ 08817 | METROPOLITAN GENERAL INSURANCE COMPANY | $305 | — | $305 | 3.29% |
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 | 176 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 182 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 193 | $4.6M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 143 | $163K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 223 | $13K |
| Life insurance | FIRST UNUM LIFE INSURANCE COMPANY | 176 | $183K |
| Short-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 176 | $183K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 52 | $79K |
| Other(2 contracts, 2 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 176 | $193K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 223 | — |
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.
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.