| 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. | $12K | — | $12K | 1.09% |
| MCDERMOTT & THOMAS ASSOCIATES3 | 1000 SOUTH AVENUE STATEN ISLAND, NY 10314 | OXFORD HEALTH INSURANCE, INC. | $10K | $0 | $10K | 4.05% |
| 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 | 1.09% |
| MCDERMOTT & THOMAS ASSOCIATES3 | 1000 SOUTH AVENUE STATEN ISLAND, NY 10314 | EMBLEM HEALTH | $4K | — | $4K | 4.56% |
| MCDERMOTT & THOMAS ASSOCIATES3 Filed as: MCDERMOTT & THOMAS ASSOC | 1000 SOUTH AVE STATEN ISLAND, NY 10314 | FIRST UNUM LIFE INSURANCE COMPANY | $4K | $216 | $4K | 15.62% |
| MCDERMOTT & THOMAS ASSOCIATES3 | 1000 SOUTH AVENUE STATEN ISLAND, NY 10314 | FIRST UNUM LIFE INSURANCE COMPANY | $573 | — | $573 | 9.44% |
| BEACON WORKSITE LLC3 | 125 WOLF ROAD ALBANY, NY 12205 | FIRST UNUM LIFE INSURANCE COMPANY | $34 | — | $34 | 3.40% |
| MC DERMOTT & THOMAS ASSOCIATES, LLC3 | 1000 SOUTH AVENUE STATEN ISLAND, NY 10314 | FIRST UNUM LIFE INSURANCE COMPANY | $33 | — | $33 | 3.30% |
| 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 | $0 |
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 | 445 | 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) | 445 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE CO. | 209 | $1.3M |
| Dental | AETNA LIFE INSURANCE CO. | 209 | $1.1M |
| Life insurance(2 contracts) | FIRST UNUM LIFE INSURANCE COMPANY | 123 | $30K |
| Short-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 3 | $999 |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 25 | $6K |
| Other | FIRST UNUM LIFE INSURANCE COMPANY | 25 | $6K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 209 | — |
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.