| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STRATEGIC EMPLOYER PLANNING3 | 4 INDEPENDENCE AVENUE ORANGEBURG, NY 10962 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $5K | $36K | $41K | 5.28% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS INC. | 225 WIRELESS BLVD SUITE 200 HAUPPAUGE, NY 11788 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $16K | $16K | 2.11% |
| WILLIAM KELLY3 Filed as: WILLIAM L NICHOLS/LINCOLN FINANCIAL | 2100 WEST END AVENUE #800 NASHVILLE, TN 372030000 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $1K | $1K | 0.13% |
| HUDSON B RAGAN3 | 410 PRESTWICK COURT NASHVILLE, TN 372050000 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $671 | $671 | 0.09% |
| STRATEGIC EMPLOYER PLANNING3 | 4 INDEPENDENCE AVENUE ORANGEBURG, NY 10962 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 14.48% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS INC. | 225 WIRELESS BLVD SUITE 200 HAUPPAUGE, NY 11788 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $837 | $837 | 5.00% |
| STRATEGIC EMPLOYER PLANNING3 | 4 INDEPENDENCE AVENUE ORANGEBURG, NY 10962 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 10.33% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS INC. | 225 WIRELESS BLVD SUITE 200 HAUPPAUGE, NY 11788 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $750 | $750 | 5.00% |
| ACRISURE LLC3 | 172 MAIN STREET NANUET, NV 10954 | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | $1K | $144 | $1K | 14.79% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS INC. | 225 WIRELESS BLVD SUITE 200 HAUPPAUGE, NY 11788 | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | — | $411 | $411 | 5.00% |
| MJ INSURANCE3 Filed as: VARIOUS AGENTS - SEE SCH A | PO BOX 1365 COLUMBIA, SC 292021365 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $526 | $34 | $560 | 9.99% |
| GBS BENEFITS INC3 Filed as: GBS | 200 JEFFERSON PARK WHIPPANY, NJ 07981 | ZURICH AMERICAN INSURANCE COMPANY | $216 | — | $216 | 14.97% |
| MMG AGENCY INC.3 | 1145 FOREST AVENUE STATEN ISLAND, NY 10310 | ZURICH AMERICAN INSURANCE COMPANY | $216 | — | $216 | 14.97% |
| STRATEGIC EMPLOYER PLANNING3 | 4 INDEPENDENCE AVENUE ORANGEBURG, NY 10962 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $142 | — | $142 | 11.97% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS INC. | 225 WIRELESS BLVD SUITE 200 HAUPPAUGE, NY 11788 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $59 | $59 | 4.97% |
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 | 101 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 102 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 102 | $768K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 102 | $768K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 102 | $768K |
| Life insurance(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 101 | $23K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 35 | $17K |
| Other(3 contracts, 3 carriers) | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | 101 | $8K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 102 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.