| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NESSIM, DANIEL3 | AC MGMT, 40 CUTTERMILL RD SUITE 205 GREAT NECK, NY 11021 | AETNA LIFE INSURANCE COMPANY | $48K | — | $48K | 4.10% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD SUITE 200 HAUPPAUGE, NY 11788 | AETNA LIFE INSURANCE COMPANY | $19K | — | $19K | 1.64% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD 2ND FL HAUPPAUGE, NY 11788 | SHELTERPOINT | — | $3K | $3K | 5.99% |
| NESSIM, DANIEL3 Filed as: NESSIM DANIEL | 44 CUTTERMILL RD STE 205 GREAT NECK, NY 11021 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY | $4K | — | $4K | 12.45% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS | 225 WIRELESS BLVD 2ND FL HAUPPAUGE, NY 11788 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY | — | $2K | $2K | 5.00% |
| NESSIM, DANIEL3 | 40 CUTTERMILL RD SUITE 205 GREAT NECK, NY 11021 | UNITED HEALTHCARE INSURANCE COMPANY | $466 | — | $466 | 10.00% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD SUITE 200 HAUPPAUGE, NY 11788 | UNITED HEALTHCARE INSURANCE COMPANY | $466 | — | $466 | 10.00% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD SUITE 200 HAUPPAUGE, NY 11788 | UNITED HEALTHCARE INSURANCE COMPANY | $190 | — | $190 | 4.08% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH MCLENNAN AGENCY LLC | PARK 80 PLAZA 2 SADDLE BROOK, NJ 07663 | FIRST UNUM LIFE INSURANCE COMPANY | $66 | — | $66 | 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 | 142 | 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) | 142 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 142 | $1.2M |
| Dental | AETNA LIFE INSURANCE COMPANY | 142 | $1.2M |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 51 | $5K |
| Life insurance | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY | 127 | $31K |
| Short-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 5 | $1K |
| Other(2 contracts, 2 carriers) | SHELTERPOINT | 127 | $78K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 142 | — |
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.