| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BOULEVARD, 2ND FLOOR HAUPPAUGE, NY 11788 | HARTFORD LIFE INSURANCE COMPANY | $69K | $35K | $104K | 16.29% |
| FRENKEL BENEFITS LLC3 | 350 HUDSON STREET, FL 4 NEW YORK, NY 100144500 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $416 | $4K | 4.18% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BOULEVARD, 2ND FLOOR HAUPPAUGE, NY 11788 | HARTFORD LIFE INSURANCE COMPANY | $4K | — | $4K | 16.20% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BOULEVARD, 2ND FLOOR HAUPPAUGE, NY 11788 | HARTFORD LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HAROLD MCNAMARA EIN 13-3050863 EMPLOYEE OF REL'D ORGNS | Employee (plan) Service code 30 | — | $49K |
| SAGE ADVISORY SERVICES LTD CO EIN 74-2798841 INV'T MNGR FOR REL'D PLAN | Investment management fees paid directly by plan Service code 51 | — | $46K |
| DOREEN PECORA EIN 13-3050863 EMPLOYEE OF RELATED PLANS | Employee (plan) Service code 30 | — | $46K |
| SAVASTA AND COMPANY, INC. EIN 13-3879959 ACTUARY FOR REL'D PLAN | Actuarial Service code 11 | — | $45K |
| MORGAN STANLEY WEALTH MGMT. EIN 26-4310632 INV'T MNGR FOR REL'D PLAN | Other investment fees and expenses; Investment advisory (plan); Securities brokerage commissions and fees; Custodial (securities); Securities brokerage Service code 19 | — | $38K |
| BUCHBINDER TUNICK & COMPANY LLP EIN 13-1578842 AUDITOR FOR REL'D ORG'NS | Accounting (including auditing) Service code 10 | — | $37K |
| ANDREW L. MONTELEONE, ESQ EIN 05-0402866 EMPLOYEE OF REL'D ORGNS | Legal Service code 29 | — | $29K |
| BAHL AND GAYNOR ADVISER FOR REL'D PLAN | Investment management fees paid directly by plan Service code 51 | — | $17K |
| FEDERATED INVESTMENT COUNSELING EIN 51-0316187 ADVISER FOR REL'D PLAN | Investment management fees paid directly by plan Service code 51 | — | $12K |
| FIRST STATE TRUST COMPANY EIN 13-3124172 CUSTODIAN FOR REL'D PLAN | Custodial (securities) Service code 19 | — | $9K |
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 | 1,097 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 797 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 43 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,937 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CONNECTICUT GENERAL LIFE INSURANCE COMPANY AND AFFILIATES | 287 | $818K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 4,043 | $101K |
| Short-term disability(2 contracts) | HARTFORD LIFE INSURANCE COMPANY | 968 | $662K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 4,043 | $101K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,043 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.