| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK INC. | 1133 WESTCHESTER AVE. STE N-136 WHITE PLAINS, NY 10604 | UNITEDHEALTHCARE INSURANCE COMPANY | $58K | — | $58K | 1.67% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN NY WHITE PLAINS | 1133 WESTCHESTER AVE STE N-136 WHITE PLAINS, NY 10604 | UNITEDHEALTHCARE INSURANCE COMPANY | $46K | — | $46K | 1.33% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC. | 225 WIRELESS BLVD. STE 200 HAUPPAUGE, NY 11788 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $37K | $37K | 1.07% |
| PROFESSIONAL PENSIONS INC3 Filed as: PROFESSIONAL PENSIONS INC. | 10 RESEARCH PARKWAY WALLINGFORD, CT 06492 | UNITEDHEALTHCARE INSURANCE COMPANY | $6K | — | $6K | 5.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NY WHITE PLAINS | 1133 WESTCHESTER AVENUE SUITE N-136 WHITE PLAINS, NY 10604 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | — | $2K | 2.14% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS INC. | 225 WIRELESS BLVD 2ND FLOOR HAUPPAUGE, NY 11788 | UNITEDHEALTHCARE INSURANCE COMPANY | $3 | — | $3 | 0.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NY | 1133 WESTCHESTER AVENUE SUITE N-136 WHITE PLAINS, NY 10604 | FIRST RELIANCE STANDARD LIFE INSURANCE | $9K | — | $9K | 15.00% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC. | 225 WIRELESS BOULEVARD, SUITE 200 HAUPPAUGE, NY 11788 | FIRST RELIANCE STANDARD LIFE INSURANCE | $3K | — | $3K | 5.00% |
| MJ INSURANCE3 Filed as: VARIOUS AGENTS - SEE ATTACHMENT | 11 KEENAN PL GARDEN CITY, NY 11530 | AFLAC | $6K | — | $6K | 9.90% |
| MJ INSURANCE3 Filed as: VARIOUS AGENTS - SEE ATTACHMENT | 11 KEENAN PL GARDEN CITY, NY 11530 | AFLAC | $519 | — | $519 | 9.52% |
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 | 91 | 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) | 91 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 524 | $3.5M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 567 | $111K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 567 | $111K |
| Life insurance | FIRST RELIANCE STANDARD LIFE INSURANCE | 378 | $61K |
| Long-term disability | FIRST RELIANCE STANDARD LIFE INSURANCE | 378 | $61K |
| Other(3 contracts, 2 carriers) | FIRST RELIANCE STANDARD LIFE INSURANCE | 378 | $124K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 567 | — |
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.