| 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 | $203K | — | $203K | 5.42% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC | 225 WIRELESS BOULEVARD SUITE 200 HAUPPAUGE, NY 11788 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $41K | $41K | 1.10% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC | 225 WIRELESS BOULEVARD SUITE 200 HAUPPAUGE, NY 11788 | UNITEDHEALTHCARE INSURANCE COMPANY | $5K | — | $5K | 5.89% |
| ATLANTIC AGENTS LLC3 | 246 WEST 38TH STREET FLOOR 10 NEW YORK, NY 10018 | UNITEDHEALTHCARE INSURANCE COMPANY | $5K | — | $5K | 5.58% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BOULEVARD HAUPPAUGE, NY 11788 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $3K | $3K | 4.04% |
| ATLANTIC AGENTS LLC3 | 246 WEST 38TH STREET FLOOR 10 NEW YORK, NY 10018 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | — | $3K | 6.88% |
| PROFESSIONAL GROUP PLAN INC3 Filed as: PROFESSIONAL GROUP PLAN INC. | 225 WIRELESS BOULEVARD 2ND FLOOR HAUPPAUGE, NY 11788 | UNITEDHEALTHCARE INSURANCE COMPANY | $1K | — | $1K | 2.70% |
| ATLANTIC AGENTS LLC3 | 246 WEST 38TH STREET FLOOR 10 NEW YORK, NY 10018 | UNITEDHEALTHCARE INSURANCE COMPANY | $1K | — | $1K | 11.97% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC | 225 WIRELESS BOULEVARD SUITE 200 HAUPPAUGE, NY 11788 | UNITEDHEALTHCARE INSURANCE COMPANY | $636 | — | $636 | 5.98% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BOULEVARD HAUPPAUGE, NY 11788 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $472 | $472 | 4.44% |
| MCO PARTNERS LLC3 | 315 WEST 39TH STREET SUITE 303 NEW YORK, NY 10018 | THE PAUL REVERE LIFE INSURANCE COMPANY | $702 | $70 | $772 | 7.99% |
| ATLANTIC AGENTS LLC3 | 246 WEST 38TH STREET FLOOR 10 NEW YORK, NY 10018 | THE PAUL REVERE LIFE INSURANCE COMPANY | $567 | — | $567 | 5.87% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BOULEVARD HAUPPAUGE, NY 11788 | THE PAUL REVERE LIFE INSURANCE COMPANY | $132 | — | $132 | 1.37% |
| YOLANDA TRISTANCHO-HELWIG3 | 315 WEST 39TH STREET ROOM 303 NEW YORK, NY 10018 | THE PAUL REVERE LIFE INSURANCE COMPANY | $66 | — | $66 | 0.68% |
| JENNIFER E LUBELSKY3 | 80 JOHN STREET APARTMENT 11C NEW YORK, NY 10038 | THE PAUL REVERE LIFE INSURANCE COMPANY | $14 | — | $14 | 0.14% |
| MICHAEL ANGELO ARROYO3 | 28 OXFORD PLACE STATEN ISLAND, NY 10301 | THE PAUL REVERE LIFE INSURANCE COMPANY | $1 | — | $1 | 0.01% |
| MCO PARTNERS LLC3 | 315 WEST 39TH STREET SUITE 303 NEW YORK, NY 10018 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $1K | $677 | $2K | 25.06% |
| ATLANTIC AGENTS LLC3 | 246 WEST 38TH STREET FLOOR 10 NEW YORK, NY 10018 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $933 | — | $933 | 13.78% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BOULEVARD HAUPPAUGE, NY 11788 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $170 | — | $170 | 2.51% |
| JENNIFER E LUBELSKY3 | 80 JOHN STREET APARTMENT 11C NEW YORK, NY 10038 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | — | $11 | 0.16% |
| MICHAEL ANGELO ARROYO3 | 28 OXFORD PLACE STATEN ISLAND, NY 10301 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $11 | — | $11 | 0.16% |
| YOLANDA TRISTANCHO-HELWIG3 | 315 WEST 39TH STREET ROOM 303 NEW YORK, NY 10018 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.07% |
| PAMELA SUSAN LEVY3 | 150 50TH AVENUE APARTMENT 3109 LONG ISLAND CITY, NY 11101 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.07% |
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 | 326 | 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) | 330 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 284 | $3.7M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 295 | $85K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 253 | $11K |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 328 | $47K |
| Long-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 328 | $47K |
| Other(3 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 328 | $63K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 328 | — |
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.