| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ECONOWORLD AGENCY, INC.3 | 222 BRUCE REYNOLDS BLVD, SUITE 440 SUITE 440 FORT LEE, NJ 07024 | AETNA LIFE INSURANCE COMPANY | $203K | — | $203K | 3.68% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC. | 225 WIRELESS BLVD HAUPPAUGE, NY 11788 | AETNA LIFE INSURANCE COMPANY | $101K | — | $101K | 1.84% |
| ECONOWORLD AGENCY, INC.3 | 222 BRUCE REYNOLDS BLVD SUITE 440 FORT LEE, NJ 07204 | AETNA LIFE INSURANCE COMPANY | $145K | — | $145K | 3.88% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD HAUPPAUGE, NY 11788 | AETNA LIFE INSURANCE COMPANY | $72K | — | $72K | 1.94% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS INC. | 225 WIRELESS BOULEVARD SECOND FLOOR HAUPPAUGE, NY 11788 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $50K | $9K | $59K | 8.11% |
| ECONOWORLD AGENCY, INC.3 Filed as: ECONOWORLD AGENCY INC | 222 BRUCE REYNOLDS BLVD-SUITE 440 FORT LEE, NJ 07024 | AETNA LIFE INSURANCE COMPANY | $455 | — | $455 | 3.95% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS | 225 WIRELESS BLVD - 2ND FLOOR HAUPPAUGE, NY 11788 | AETNA LIFE INSURANCE COMPANY | $227 | — | $227 | 1.97% |
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 | 483 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 486 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts) | AETNA LIFE INSURANCE COMPANY | 726 | $9.3M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 306 | $730K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 306 | $730K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 306 | $730K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 726 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.