| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ATLANTIC AGENTS LLC3 | 246 WEST 38TH STREET FLOOR 10 NEW YORK, NY 10018 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $96K | $96K | 5.00% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC | 225 WIRELESS BOULEVARD 2ND FLOOR HAUPPAUGE, NY 11788 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $39K | $39K | 2.00% |
| ATLANTIC AGENTS LLC3 | 246 WEST 38TH STREET FLOOR 10 NEW YORK, NY 10018 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $3K | — | $3K | 4.94% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC | 225 WIRELESS BOULEVARD 2ND FLOOR HAUPPAUGE, NY 11788 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | — | $3K | $3K | 3.95% |
| ATLANTIC AGENTS LLC3 | 246 WEST 38TH STREET FLOOR 10 NEW YORK, NY 10018 | CIGNA DENTAL HEALTH OF NEW JERSEY, INC. | $569 | — | $569 | 5.00% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC | 225 WIRELESS BOULEVARD 2ND FLOOR HAUPPAUGE, NY 11788 | CIGNA DENTAL HEALTH OF NEW JERSEY, INC. | — | $455 | $455 | 4.00% |
| ATLANTIC AGENTS LLC3 | 246 WEST 38TH STREET FLOOR 10 NEW YORK, NY 10018 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $2K | — | $2K | 15.00% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS | 225 WIRELESS BOULEVARD SUITE 200 HAUPPAUGE, NY 11788 | CIGNA LIFE INSURANCE CO. OF NEW YORK | — | $566 | $566 | 5.00% |
| ATLANTIC AGENTS LLC3 | 246 WEST 38TH STREET FLOOR 10 NEW YORK, NY 10018 | UNITEDHEALTHCARE INSURANCE COMPANY | $930 | — | $930 | 9.16% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC | 225 WIRELESS BOULEVARD SUITE 200 HAUPPAUGE, NY 11788 | UNITEDHEALTHCARE INSURANCE COMPANY | $465 | — | $465 | 4.58% |
| ATLANTIC AGENTS LLC3 | 246 WEST 38TH STREET FLOOR 10 NEW YORK, NY 10018 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $1K | — | $1K | 12.00% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS | 225 WIRELESS BOULEVARD SUITE 200 HAUPPAUGE, NY 11788 | CIGNA LIFE INSURANCE CO. OF NEW YORK | — | $426 | $426 | 5.00% |
| THE WORKSIGHT GROUP LLC3 | 449 CENTRAL AVENUE SAINT PETERSBURG, FL 33701 | THE PAUL REVERE LIFE INSURANCE COMPANY | $1K | $714 | $2K | 31.20% |
| ATLANTIC AGENTS LLC3 | 246 WEST 38TH STREET FLOOR 10 NEW YORK, NY 10018 | THE PAUL REVERE LIFE INSURANCE COMPANY | $888 | — | $888 | 15.24% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BOULEVARD HAUPPAUGE, NY 11788 | THE PAUL REVERE LIFE INSURANCE COMPANY | $184 | — | $184 | 3.16% |
| ATLANTIC AGENTS LLC3 | 246 WEST 38TH STREET FLOOR 10 NEW YORK, NY 10018 | CIGNA HEALTHCARE OF CONNECTICUT, INC. | $92 | — | $92 | 4.98% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC | 225 WIRELESS BOULEVARD 2ND FLOOR HAUPPAUGE, NY 11788 | CIGNA HEALTHCARE OF CONNECTICUT, INC. | — | $74 | $74 | 4.01% |
| ATLANTIC AGENTS LLC3 | 246 WEST 38TH STREET FLOOR 10 NEW YORK, NY 10018 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $277 | $500 | $777 | 50.13% |
| THE WORKSIGHT GROUP LLC3 | 449 CENTRAL AVENUE SAINT PETERSBURG, FL 33701 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $338 | $317 | $655 | 42.26% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BOULEVARD HAUPPAUGE, NY 11788 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $49 | — | $49 | 3.16% |
| ATLANTIC AGENTS LLC3 | 246 WEST 38TH STREET FLOOR 10 NEW YORK, NY 10018 | CIGNA DENTAL HEALTH OF CALIFORNIA, INC. | $15 | — | $15 | 4.87% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC | 225 WIRELESS BOULEVARD 2ND FLOOR HAUPPAUGE, NY 11788 | CIGNA DENTAL HEALTH OF CALIFORNIA, INC. | — | $12 | $12 | 3.90% |
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 | 255 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 4 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 263 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 209 | $1.9M |
| Dental(4 contracts, 4 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 194 | $81K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 168 | $10K |
| Life insurance | CIGNA LIFE INSURANCE CO. OF NEW YORK | 255 | $9K |
| Long-term disability | CIGNA LIFE INSURANCE CO. OF NEW YORK | 255 | $11K |
| Other(3 contracts, 3 carriers) | CIGNA LIFE INSURANCE CO. OF NEW YORK | 255 | $16K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 255 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.