| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SAMMON EMPLOYEE BENEFITS LLC3 | 11 FULTON AVE RYE, NY 10580 | UNITEDHEALTHCARE INSURANCE COMPANY | $59K | $0 | $59K | 3.01% |
| RSC INSURANCE BROKERAGE INC3 | 5575 VENTURE DR STE D CLEVELAND, OH 44130 | UNITEDHEALTHCARE INSURANCE COMPANY | $19K | $0 | $19K | 0.99% |
| PGM INSURANCE SERVICES, LLC3 | 311 CLOCK TOWER CMNS BREWSTER, NY 10509 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $13K | $13K | 0.64% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC NY | 1787 SENTRY PKWY W STE 320 BLUE BELL, PA 19422 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $4K | $4K | 0.21% |
| ROBERT SAMMON3 Filed as: ROBERT J SAMMON | 11 FULTON AVE RYE, NY 10580 | FIRST UNUM LIFE INSURANCE COMPANY | $6K | $0 | $6K | 9.90% |
| PROFESSIONAL GROUP MARKETING INC3 Filed as: PROFESSIONAL GROUP MARKETING I | 311 CLOCK TOWER COMMONS BREWSTER, NY 10509 | FIRST UNUM LIFE INSURANCE COMPANY | $0 | $3K | $3K | 5.00% |
| ROBERT SAMMON3 | 11 FULTON AVE RYE, NY 105802515 | METROPOLITAN LIFE INSURANCE COMPANY | $663 | $0 | $663 | 9.76% |
| RSC INSURANCE BROKERAGE INC3 | 900 STEWART AVE STE 505 GARDEN CITY, NY 11530 | METROPOLITAN LIFE INSURANCE COMPANY | $356 | $0 | $356 | 5.24% |
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 | 163 | 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) | 163 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 163 | $2.0M |
| Life insurance | FIRST UNUM LIFE INSURANCE COMPANY | 109 | $58K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 109 | $58K |
| Other(2 contracts, 2 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 109 | $65K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 163 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.