| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARSH & MCLENNAN AGENCY LLC3 Filed as: KINLOCH CONSULTING GROUP, INC. | 25 MELVILLE PARK ROAD SUITE 260 MELVILLE, NY 11747 | AETNA LIFE INSURANCE CO. | $34K | — | $34K | 2.87% |
| ONEGROUP NY INC3 Filed as: ONEGROUP NY INC. | 706 NORTH CLINTON STREET ONE GROUP CENTER SYRACUSE, NY 13204 | AETNA LIFE INSURANCE CO. | $3K | — | $3K | 0.25% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD SUITE 200 HAUPPAUGE, NY 11788 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 5.58% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: KINLOCH CONSULTING GROUP, INC. | 25 MELVILLE PARK ROAD SUITE 260 MELVILLE, NY 11747 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $951 | — | $951 | 2.21% |
| NEW YORK RHB, LLC3 | 120 BROADWAY FL 37 NEW YORK, NY 10271 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $15 | — | $15 | 0.03% |
| NEW YORK RHB, LLC3 | 7600 JERICHO TPK 404 WOODBURY, NY 11797 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4 | — | $4 | 0.01% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD FL 2 HAUPPAUGE, NY 11788 | COMPANION LIFE INSURANCE COMPANY | $1K | — | $1K | 5.85% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: KINLOCH CONSULTING GROUP, INC. | 25 MELVILLE PARK ROAD SUITE 260 MELVILLE, NY 11747 | COMPANION LIFE INSURANCE COMPANY | $997 | — | $997 | 4.16% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD FL 2 HAUPPAUGE, NY 11788 | COMPANION LIFE INSURANCE COMPANY | — | $701 | $701 | 2.92% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD FL 2 HAUPPAUGE, NY 11788 | MUTUAL OF OMAHA INSURANCE COMPANY | $822 | — | $822 | 7.68% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: KINLOCH CONSULTING GROUP, INC. | 25 MELVILLE PARK ROAD SUITE 260 MELVILLE, NY 11747 | MUTUAL OF OMAHA INSURANCE COMPANY | $784 | — | $784 | 7.32% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD FL 2 HAUPPAUGE, NY 11788 | MUTUAL OF OMAHA INSURANCE COMPANY | — | $274 | $274 | 2.56% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD FL 2 HAUPPAUGE, NY 11788 | MUTUAL OF OMAHA INSURANCE COMPANY | $182 | — | $182 | 5.82% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: KINLOCH CONSULTING GROUP INC | 25 MELVILLE PARK RD STE 260 MELVILLE, NY 11747 | MUTUAL OF OMAHA INSURANCE COMPANY | $130 | — | $130 | 4.16% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD FL 2 HAUPPAUGE, NY 11788 | MUTUAL OF OMAHA INSURANCE COMPANY | — | $91 | $91 | 2.91% |
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 | 129 | 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) | 129 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 136 | $1.2M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 62 | $43K |
| Life insurance | COMPANION LIFE INSURANCE COMPANY | 129 | $24K |
| Long-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 21 | $11K |
| Other | MUTUAL OF OMAHA INSURANCE COMPANY | 129 | $3K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 136 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.