| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PILOT BENEFITS GROUP LLC3 | 35 PINELAWN ROAD SUITE 105E MELVILLE, NY 11747 | AETNA LIFE INSURANCE CO. | $130K | $32 | $130K | 3.12% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 1 JERICHO PLAZA SUITE 200 JERICHO, NY 11753 | AETNA LIFE INSURANCE CO. | $0 | $98 | $98 | 0.00% |
| PILOT BENEFITS GROUP LLC3 | 35 PINELAWN RD SUITE 105E MELVILLE, NY 11747 | FIRST UNUM LIFE INSURANCE COMPANY | $3K | $0 | $3K | 10.00% |
| PILOT BENEFITS GROUP LLC3 Filed as: PILOT BENEFIT SERVICES LLC | 35 PINELAWN ROAD MELVILLE, NY 11747 | FIRST UNUM LIFE INSURANCE COMPANY | $2K | $0 | $2K | 10.00% |
| PILOT BENEFITS GROUP LLC3 | 35 PINELAWN ROAD SUITE 105E MELVILLE, NY 11747 | FIRST UNUM LIFE INSURANCE COMPANY | $1K | $0 | $1K | 5.21% |
| PILOT BENEFITS GROUP LLC3 | 35 PINELAWN RD SUITE 105E MELVILLE, NY 117473111 | UNITED HEALTHCARE INSURANCE COMPANY | $661 | $0 | $661 | 4.00% |
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 | 476 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 478 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 566 | $4.2M |
| Dental | AETNA LIFE INSURANCE CO. | 566 | $4.2M |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 464 | $17K |
| Life insurance(2 contracts) | FIRST UNUM LIFE INSURANCE COMPANY | 476 | $51K |
| Short-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 17 | $20K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 17 | $20K |
| Prescription drug | AETNA LIFE INSURANCE CO. | 566 | $4.2M |
| Other(2 contracts) | FIRST UNUM LIFE INSURANCE COMPANY | 476 | $51K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 566 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.