| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MCDERMOTT & THOMAS ASSOCIATES3 Filed as: MCDERMOTT & THOMAS ASSOCIATES LLC | 1000 SOUTH AVENUE, SUITE 101 STATEN ISLAND, NY 10314 | OXFORD HEALTH INSURANCE, INC | $124K | — | $124K | 4.34% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC. | 225 WIRELESS BLVD, SUITE 200 HAUPPAUGE, NY 11788 | OXFORD HEALTH INSURANCE, INC | — | $28K | $28K | 0.99% |
| MCDERMOTT & THOMAS ASSOCIATES3 Filed as: MCDERMOTT THOMAS ASSOC LLC | 1000 SOUTH AVENUE, SUITE 101 STATEN ISLAND, NY 103143430 | GUARDIAN | $14K | $11K | $24K | 10.15% |
| MCDERMOTT & THOMAS ASSOCIATES3 Filed as: MCDERMOTT & THOMAS ASSOCIATES LLC | 1000 SOUTH AVENUE,SUITE 101 STATEN ISLAND, NY 10314 | AETNA LIFE INSURANCE COMPANY | $9K | — | $9K | 8.50% |
| SNEDDON HUGH JEFFREY3 | 178 MYRTLE BLVD STE 106 LARCHMONT, NY 105382048 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $10K | $5K | $14K | 23.40% |
| BOOK MICHAEL A3 Filed as: BOOK, MICHAEL A | 530 5TH AVE FL 11 NEW YORK, NY 100365101 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $2K | — | $2K | 3.37% |
| MCDERMOTT & THOMAS ASSOCIATES3 Filed as: MCDERMOTT & THOMAS ASSOCIATES LLC | 1000 SOUTH AVENUE,SUITE 101 STATEN ISLAND, NY 10314 | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | $3K | — | $3K | 6.31% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC. | 225 WIRELESS BLVD, 2ND FLOOR HAUPPAUGE, NY 11788 | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | $2K | — | $2K | 5.00% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC. | 225 WIRELESS BLVD, 2ND FLOOR HAUPPAUGE, NY 11788 | THE STANDARD LIFE INSURANCE COMPANY OF NEW YORK | $497 | — | $497 | 1.15% |
| WELLS FARGO INSURANCE SERVICES3 Filed as: WELLS FARGO INSURANCE SERVICES USA | 190 RIVER ROAD, 1ST FL SUMMIT, NJ 07901 | FEDERAL INSURANCE COMPANY | $291 | — | $291 | 14.98% |
| WELLS FARGO INSURANCE SERVICES3 Filed as: WELLS FARGO INSURANCE SERVICES USA | 190 RIVER ROAD, 1ST FL SUMMIT, NJ 07901 | FEDERAL INSURANCE COMPANY | $102 | — | $102 | 5.25% |
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 | 206 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 206 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | OXFORD HEALTH INSURANCE, INC | 361 | $2.9M |
| Dental | AETNA LIFE INSURANCE COMPANY | 220 | $105K |
| Life insurance(2 contracts, 2 carriers) | GUARDIAN | 222 | $283K |
| Short-term disability(2 contracts, 2 carriers) | GUARDIAN | 222 | $242K |
| Long-term disability(2 contracts, 2 carriers) | GUARDIAN | 222 | $300K |
| Prescription drug | OXFORD HEALTH INSURANCE, INC | 361 | $2.9M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 361 | — |
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.