| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCDERMOTT & THOMAS ASSOCIATES3 | 1000 SOUTH AVENUE, SUITE 101 STATEN ISLAND, NY 10314 | AETNA LIFE INSURANCE CO. | $15K | — | $15K | 1.53% |
| MCDERMOTT & THOMAS ASSOCIATES3 | 1000 SOUTH AVENUE STATEN ISLAND, NY 10314 | OXFORD HEALTH INSURANCE, INC. | $12K | $780 | $13K | 5.07% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC. | 225 WIRELESS BOULEVARD, SUITE 200 HAUPPAUGE, NY 11788 | OXFORD HEALTH INSURANCE, INC. | $0 | $3K | $3K | 1.32% |
| MCDERMOTT & THOMAS ASSOCIATES3 | 1000 SOUTH AVENUE STATEN ISLAND, NY 10314 | EMBLEM HEALTH | $7K | — | $7K | 3.85% |
| MCDERMOTT & THOMAS ASSOCIATES3 | 1000 SOUTH AVENUE STATEN ISLAND, NY 10314 | FIRST UNUM LIFE INSURANCE COMPANY | $1K | $59 | $1K | 15.75% |
| MCDERMOTT & THOMAS ASSOCIATES3 Filed as: MCDERMOTT & THOMAS ASSOC | 1000 SOUTH AVE STATEN ISLAND, NY 10314 | FIRST UNUM LIFE INSURANCE COMPANY | $787 | $39 | $826 | 14.50% |
| MC DERMOTT & THOMAS ASSOCIATES, LLC3 | 1000 SOUTH AVENUE STATEN ISLAND, NY 10314 | FIRST UNUM LIFE INSURANCE COMPANY | $141 | — | $141 | 14.11% |
| BEACON WORKSITE LLC3 | 125 WOLF ROAD ALBANY, NY 12205 | FIRST UNUM LIFE INSURANCE COMPANY | $23 | — | $23 | 2.30% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| MCDEMOTT & THOMAS ASSOCIATES EIN 13-3413119 NONE | Insurance agents and brokers Service code 22 | 1000 SOUTH AVENUE STATEN ISLAND, NY 10314 | $28K |
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 | 444 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 444 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 219 | $1.2M |
| Dental | AETNA LIFE INSURANCE CO. | 219 | $963K |
| Life insurance(2 contracts) | FIRST UNUM LIFE INSURANCE COMPANY | 146 | $14K |
| Short-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 5 | $999 |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 146 | $8K |
| Other | FIRST UNUM LIFE INSURANCE COMPANY | 146 | $8K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 219 | — |
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."
No prospect flags tripped on this filing.