| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC | 225 WIRELESS BOULEVARD SUITE 200 HAUPPAUGE, NY 11788 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $83K | $83K | 7.00% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC | 225 WIRELESS BOULEVARD SUITE 200 HAUPPAUGE, NY 11788 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $5K | $2K | $7K | 11.57% |
| DASZOWSKI SISTI POMPEO3 | 26 WATCHOGUE ROAD STATEN ISLAND, NY 10314 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | $2K | — | $2K | 11.47% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS | 225 WIRELESS BOULEVARD SUITE 200 HAUPPAUGE, NY 11788 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | — | $930 | $930 | 5.00% |
| DASZOWSKI SISTI POMPEO3 Filed as: DASZOWSKI SISTI POMPEO & | 26 WATCHOGUE ROAD STATEN ISLAND, NY 10314 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $2K | — | $2K | 11.61% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS | 225 WIRELESS BOULEVARD SUITE 200 HAUPPAUGE, NY 11788 | CIGNA LIFE INSURANCE CO. OF NEW YORK | — | $963 | $963 | 6.02% |
| DASZOWSKI SISTI POMPEO3 Filed as: DASZOWSKI SISTI POMPEO & | 26 WATCHOGUE ROAD STATEN ISLAND, NY 10314 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | $1K | — | $1K | 9.17% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS | 225 WIRELESS BOULEVARD SUITE 200 HAUPPAUGE, NY 11788 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | — | $577 | $577 | 5.00% |
| DASZOWSKI SISTI POMPEO3 Filed as: DASZOWSKI SISTI POMPEO & | 26 WATCHOGUE ROAD STATEN ISLAND, NY 10314 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $1K | — | $1K | 10.32% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS | 225 WIRELESS BOULEVARD SUITE 200 HAUPPAUGE, NY 11788 | CIGNA LIFE INSURANCE CO. OF NEW YORK | — | $604 | $604 | 6.02% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC | 225 WIRELESS BOULEVARD SUITE 200 HAUPPAUGE, NY 11788 | CIGNA DENTAL HEALTH OF NEW JERSEY, INC. | $797 | $399 | $1K | 12.00% |
| KEVIN SULLIVAN3 | 4400 ROUTE 9 SOUTH SUITE 1000 FREEHOLD, NJ 07728 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $6K | $14K | $20K | 228.81% |
| GEORGE R KOROGHLIAN3 | 250 PEHLE AVENUE SUITE 405 SADDLE BROOK, NJ 07663 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $396 | $3K | $3K | 37.47% |
| VICTOR VYAS3 | 4400 ROUTE 9 SOUTH SUITE 1000 FREEHOLD, NJ 07728 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | — | $1K | $1K | 16.18% |
| DOMINICK IORIO3 | 250 PEHLE AVENUE SUITE 405 SADDLE BROOK, NJ 07663 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $170 | — | $170 | 1.95% |
| DASZOWSKI SISTI POMPEO3 Filed as: DASZOWSKI SISTI POMPEO & | 26 WATCHOGUE ROAD STATEN ISLAND, NY 10314 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | $271 | — | $271 | 15.01% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS | 225 WIRELESS BOULEVARD SUITE 200 HAUPPAUGE, NY 11788 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | — | $90 | $90 | 4.98% |
| DASZOWSKI SISTI POMPEO3 Filed as: DASZOWSKI SISTI POMPEO & | 26 WATCHOGUE ROAD STATEN ISLAND, NY 10314 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $236 | — | $236 | 15.00% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS | 225 WIRELESS BOULEVARD SUITE 200 HAUPPAUGE, NY 11788 | CIGNA LIFE INSURANCE CO. OF NEW YORK | — | $95 | $95 | 6.04% |
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 | 232 | 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) | 232 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 99 | $1.2M |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 99 | $67K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 99 | $57K |
| Life insurance(3 contracts, 3 carriers) | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | 232 | $30K |
| Long-term disability(2 contracts, 2 carriers) | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | 232 | $35K |
| Other(3 contracts, 3 carriers) | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | 232 | $12K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 232 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.