| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF NEW YORK | 1983 MARCUS AVE., STE. C130 LAKE SUCCESS, NY 11042 | ANTHEM BLUE CROSS | $48K | — | $48K | 3.07% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS INC. | 225 WIRELESS BLVD. HAUPPAUGE, NY 11788 | ANTHEM BLUE CROSS | — | $20K | $20K | 1.31% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF NEW YORK | 1983 MARCUS AVE., STE. C130 LAKE SUCCESS, NY 11042 | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | $16K | — | $16K | 23.82% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 7.67% |
| IMG5 | 2960 NORTH MERIDIAN ST. INDIANAPOLIS, IN 46208 | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | — | $39 | $39 | 0.06% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF NEW YORK | 1983 MARCUS AVE., STE. C130 LAKE SUCCESS, NY 11042 | UNUM LIFE INSURANCE COMPANY | $4K | $676 | $5K | 15.11% |
| NATIONAL ENROLLMENT PARTNERS LLC3 Filed as: NATIONAL ENROLLMENT PARTNERS | 2000 CHAPEL VIEW BLVD., STE 240 CRANSTON, RI 02920 | UNUM LIFE INSURANCE COMPANY | — | $2K | $2K | 5.00% |
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 | 257 | 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) | 257 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | ANTHEM BLUE CROSS | 175 | $1.5M |
| Dental | ANTHEM BLUE CROSS | 175 | $1.5M |
| Vision | ANTHEM BLUE CROSS | 175 | $1.5M |
| Life insurance(2 contracts, 2 carriers) | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | 257 | $101K |
| Short-term disability | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | 216 | $67K |
| Long-term disability(2 contracts, 2 carriers) | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | 257 | $101K |
| Other(2 contracts, 2 carriers) | THE PRUDENTIAL INSURANCE COMPANY OF AMERICA | 257 | $101K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 257 | — |
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.