| 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 | $170K | — | $170K | 5.00% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC | 225 WIRELESS BOULEVARD SUITE 200 HAUPPAUGE, NY 11788 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $37K | $37K | 1.08% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC | 225 WIRELESS BOULEVARD SUITE 200 HAUPPAUGE, NY 11788 | UNITEDHEALTHCARE INSURANCE COMPANY | $6K | — | $6K | 5.00% |
| ATLANTIC AGENTS LLC3 | 246 WEST 38TH STREET FLOOR 10 NEW YORK, NY 10018 | UNITEDHEALTHCARE INSURANCE COMPANY | $5K | — | $5K | 3.61% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BOULEVARD HAUPPAUGE, NY 11788 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $4K | $4K | 3.15% |
| ATLANTIC AGENTS LLC3 | 246 WEST 38TH STREET FLOOR 10 NEW YORK, NY 10018 | UNITEDHEALTHCARE INSURANCE COMPANY | $5K | — | $5K | 19.30% |
| ATLANTIC AGENTS LLC3 | 246 WEST 38TH STREET FLOOR 10 NEW YORK, NY 10018 | UNITEDHEALTHCARE INSURANCE COMPANY | $1K | — | $1K | 10.00% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC | 225 WIRELESS BOULEVARD SUITE 200 HAUPPAUGE, NY 11788 | UNITEDHEALTHCARE INSURANCE COMPANY | $748 | — | $748 | 5.00% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BOULEVARD HAUPPAUGE, NY 11788 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $514 | $514 | 3.44% |
| MCO PARTNERS LLC3 | 315 WEST 39TH STREET SUITE 303 NEW YORK, NY 10018 | THE PAUL REVERE LIFE INSURANCE COMPANY | $683 | $118 | $801 | 8.87% |
| ATLANTIC AGENTS LLC3 | 246 WEST 38TH STREET FLOOR 10 NEW YORK, NY 10018 | THE PAUL REVERE LIFE INSURANCE COMPANY | $511 | — | $511 | 5.66% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BOULEVARD HAUPPAUGE, NY 11788 | THE PAUL REVERE LIFE INSURANCE COMPANY | $123 | — | $123 | 1.36% |
| YOLANDA TRISTANCHO-HELWIG3 | 315 WEST 39TH STREET ROOM 303 NEW YORK, NY 10018 | THE PAUL REVERE LIFE INSURANCE COMPANY | $45 | — | $45 | 0.50% |
| JENNIFER E LUBELSKY3 | 80 JOHN STREET APARTMENT 11C NEW YORK, NY 10038 | THE PAUL REVERE LIFE INSURANCE COMPANY | $9 | — | $9 | 0.10% |
| MCO PARTNERS LLC3 | 315 WEST 39TH STREET SUITE 303 NEW YORK, NY 10018 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $423 | $137 | $560 | 9.33% |
| ATLANTIC AGENTS LLC3 | 246 WEST 38TH STREET FLOOR 10 NEW YORK, NY 10018 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $397 | — | $397 | 6.62% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BOULEVARD HAUPPAUGE, NY 11788 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $73 | — | $73 | 1.22% |
| JENNIFER E LUBELSKY3 | 80 JOHN STREET APARTMENT 11C NEW YORK, NY 10038 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $10 | — | $10 | 0.17% |
| YOLANDA TRISTANCHO-HELWIG3 | 315 WEST 39TH STREET ROOM 303 NEW YORK, NY 10018 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.08% |
| PAMELA SUSAN LEVY3 | 150 50TH AVENUE LONG ISLAND CITY, NY 11101 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $5 | — | $5 | 0.08% |
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 | 349 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 10 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 360 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 307 | $3.4M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 318 | $130K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 272 | $15K |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 345 | $27K |
| Long-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 345 | $27K |
| Other(3 contracts, 3 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 345 | $42K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 345 | — |
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.