| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ATLANTIC AGENTS LLC3 | 246 WEST 38TH STREET FLOOR 10 NEW YORK, NY 10018 | UNITEDHEALTHCARE INSURANCE COMPANY | $161K | — | $161K | 4.96% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC | 225 WIRELESS BOULEVARD SUITE 200 HAUPPAUGE, NY 11788 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $35K | $35K | 1.07% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC | 225 WIRELESS BOULEVARD SUITE 200 HAUPPAUGE, NY 11788 | UNITEDHEALTHCARE INSURANCE COMPANY | $4K | — | $4K | 4.19% |
| ATLANTIC AGENTS LLC3 | 246 WEST 38TH STREET FLOOR 10 NEW YORK, NY 10018 | UNITEDHEALTHCARE INSURANCE COMPANY | $4K | — | $4K | 3.91% |
| ATLANTIC AGENTS LLC3 | 246 WEST 38TH STREET FLOOR 10 NEW YORK, NY 10018 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | — | $2K | 10.50% |
| ATLANTIC AGENTS LLC3 | 246 WEST 38TH STREET FLOOR 10 NEW YORK, NY 10018 | UNITEDHEALTHCARE INSURANCE COMPANY | $1K | — | $1K | 8.37% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC | 225 WIRELESS BOULEVARD SUITE 200 HAUPPAUGE, NY 11788 | UNITEDHEALTHCARE INSURANCE COMPANY | $535 | — | $535 | 4.18% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BOULEVARD 2ND FLOOR HAUPPAUGE, NY 11788 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $429 | $429 | 3.35% |
| MCO PARTNERS LLC3 | 315 WEST 39TH STREET SUITE 303 NEW YORK, NY 10018 | THE PAUL REVERE LIFE INSURANCE COMPANY | $936 | $323 | $1K | 12.01% |
| ATLANTIC AGENTS LLC3 | 246 WEST 38TH STREET FLOOR 10 NEW YORK, NY 10018 | THE PAUL REVERE LIFE INSURANCE COMPANY | $801 | — | $801 | 7.64% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BOULEVARD HAUPPAUGE, NY 11788 | THE PAUL REVERE LIFE INSURANCE COMPANY | $179 | — | $179 | 1.71% |
| YOLANDA TRISTANCHO-HELWIG3 | 449 CENTRAL AVENUE SAINT PETERSBURG, FL 33701 | THE PAUL REVERE LIFE INSURANCE COMPANY | $77 | — | $77 | 0.73% |
| JENNIFER E LUBELSKY3 | 80 JOHN STREET NEW YORK, NY 10038 | THE PAUL REVERE LIFE INSURANCE COMPANY | $29 | $1 | $30 | 0.29% |
| MICHAEL ANGELO ARROYO3 | 28 OXFORD PLACE STATEN ISLAND, NY 10301 | THE PAUL REVERE LIFE INSURANCE COMPANY | $12 | — | $12 | 0.11% |
| MCO PARTNERS LLC3 | 315 WEST 39TH STREET SUITE 303 NEW YORK, NY 10018 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $444 | $332 | $776 | 21.28% |
| ATLANTIC AGENTS LLC3 | 246 WEST 38TH STREET FLOOR 10 NEW YORK, NY 10018 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $433 | — | $433 | 11.88% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BOULEVARD HAUPPAUGE, NY 11788 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $80 | — | $80 | 2.19% |
| JENNIFER E LUBELSKY3 | 80 JOHN STREET NEW YORK, NY 10038 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $37 | $1 | $38 | 1.04% |
| PAMELA SUSAN LEVY3 | 1-50 50TH AVENUE LONG ISLAND CITY, NY 11101 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $15 | $2 | $17 | 0.47% |
| MICHAEL ANGELO ARROYO3 | 28 OXFORD PLACE STATEN ISLAND, NY 10301 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $13 | — | $13 | 0.36% |
| YOLANDA TRISTANCHO-HELWIG3 | 449 CENTRAL AVENUE SAINT PETERSBURG, FL 33701 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $6 | — | $6 | 0.16% |
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 | 315 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 319 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 264 | $3.3M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 263 | $93K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 236 | $13K |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 301 | $22K |
| Long-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 301 | $22K |
| Other(3 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 301 | $37K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 301 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.