| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NESSIM, DANIEL3 | AC MGMT, 40 CUTTERMILL RD SUITE 205 GREAT NECK, NY 11021 | OXFORD HEALTH INSURANCE, INC | $49K | — | $49K | 3.50% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD SUITE 200 HAUPPAUGE, NY 11788 | OXFORD HEALTH INSURANCE, INC | — | $22K | $22K | 1.56% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD SUITE 200 HAUPPAUGE, NY 11788 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | $2K | $8K | 12.93% |
| NESSIM, DANIEL3 | 40 CUTTERMILL RD SUITE 205 GREAT NECK, NY 11021 | FIRST UNUM LIFE INSURANCE COMPANY | $6K | — | $6K | 10.91% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD 2ND FL HAUPPAUGE, NY 11788 | FIRST UNUM LIFE INSURANCE COMPANY | — | $3K | $3K | 5.00% |
| NESSIM, DANIEL3 | 40 CUTTERMILL RD SUITE 205 GREAT NECK, NY 11021 | FIRST UNUM LIFE INSURANCE COMPANY | $1K | — | $1K | 17.37% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD 2ND FL HAUPPAUGUE, NY 11788 | FIRST UNUM LIFE INSURANCE COMPANY | — | $423 | $423 | 5.00% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD SUITE 200 HAUPPAUGE, NY 11788 | UNITED HEALTHCARE INSURANCE COMPANY | $593 | $177 | $770 | 10.34% |
| NESSIM, DANIEL3 | 40 CUTTERMILL RD SUITE 205 GREAT NECK, NY 11021 | UNITED HEALTHCARE INSURANCE COMPANY | $593 | — | $593 | 7.97% |
| NESSIM, DANIEL3 | 40 CUTTERMILL RD SUITE 205 GREAT NECK, NY 11021 | FIRST UNUM LIFE INSURANCE COMPANY | $1K | — | $1K | 18.27% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD 2ND FL HAUPPAUGE, NY 11788 | FIRST UNUM LIFE INSURANCE COMPANY | — | $305 | $305 | 5.00% |
| NESSIM, DANIEL3 | 40 CUTTERMILL RD GREAT NECK, NY 11021 | FIRST UNUM LIFE INSURANCE COMPANY | $333 | — | $333 | 6.36% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH MCLENNAN AGENCY LLC | PARK 80 PLAZA 2 SADDLE BROOK, NJ 07663 | FIRST UNUM LIFE INSURANCE COMPANY | $166 | — | $166 | 3.17% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD HAUPPAUGE, NY 11788 | FIRST UNUM LIFE INSURANCE COMPANY | $34 | — | $34 | 0.65% |
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 | 182 | 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) | 182 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | OXFORD HEALTH INSURANCE, INC | 182 | $1.4M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 89 | $60K |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 65 | $7K |
| Life insurance(2 contracts) | FIRST UNUM LIFE INSURANCE COMPANY | 175 | $61K |
| Short-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 13 | $5K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 175 | $53K |
| Other(3 contracts) | FIRST UNUM LIFE INSURANCE COMPANY | 175 | $67K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 182 | — |
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.