| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MIDDLEGATE INSURANCE AGENCY3 | 15 WEST 38TH STREET, SUITE 1018 NEW YORK, NY 10018 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $96K | $96K | 2.93% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC. | 225 WIRELESS BOULEVARD HAUPPAUGE, NY 11788 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $469 | $469 | 0.01% |
| MIDDLEGATE INSURANCE AGENCY3 | 15 WEST 38TH STREET, SUITE 1018 NEW YORK, NY 10018 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $10K | $0 | $10K | 5.97% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC. | 225 WIRELESS BOULEVARD HAUPPAUGE, NY 11788 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $0 | $7K | $7K | 3.98% |
| MIDDLEGATE INSURANCE AGENCY3 | 15 WEST 38TH STREET, SUITE 1018 NEW YORK, NY 10018 | SUN LIFE AND HEALTH INSURANCE COMPANY U.S. | $2K | $0 | $2K | 5.66% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC. | 225 WIRELESS BOULEVARD HAUPPAUGE, NY 11788 | SUN LIFE AND HEALTH INSURANCE COMPANY U.S. | $1K | $0 | $1K | 3.41% |
| MIDDLEGATE INSURANCE AGENCY3 | 15 WEST 38TH STREET, SUITE 1018 NEW YORK, NY 10018 | FSL NY | $765 | $0 | $765 | 10.00% |
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 | 295 | 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) | 295 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 287 | $3.3M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 164 | $164K |
| Vision | FSL NY | 166 | $8K |
| Life insurance | SUN LIFE AND HEALTH INSURANCE COMPANY U.S. | 295 | $33K |
| Long-term disability | SUN LIFE AND HEALTH INSURANCE COMPANY U.S. | 295 | $33K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 287 | $3.3M |
| Other | SUN LIFE AND HEALTH INSURANCE COMPANY U.S. | 295 | $33K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 295 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.