| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PILOT BENEFITS GROUP LLC3 Filed as: PILOT BENEFIT GROUP LLC | 35 PINELAWN RD SUITE 105E MELVILLE, NY 11747 | HARTFORD LIFE AND ACCIDENT | $11K | $0 | $11K | 5.56% |
| HEFFERNAN INSURANCE BROKERS3 Filed as: HEFFERNAN INS BROKERS | 1350 CARLBACK AVENUE WALNUT CREEK, CA 94596 | HARTFORD LIFE AND ACCIDENT | $0 | $2K | $2K | 0.90% |
| PILOT BENEFITS GROUP LLC3 Filed as: PILOT BENEFITS GROUP, LLC | 35 PINELAWN RD. SUITE 105E MELVILLE, NY 117473111 | VISION SERVICE PLAN | $2K | $0 | $2K | 3.63% |
| PILOT BENEFITS GROUP LLC3 | 35 PINELAWN RD, SUITE 105E MELVILLE, NY 117473111 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $28 | $2K | 10.65% |
| HEFFERNAN INSURANCE BROKERS3 Filed as: HEFFERNAN INS BROKERS | 1350 CARLBACK AVE WALNUT CREEK, CA 945967299 | METROPOLITAN LIFE INSURANCE COMPANY | $1 | $0 | $1 | 0.00% |
| PILOT BENEFITS GROUP LLC3 | 35 PINELAWN ROAD SUITE 105E MELVILLE, NY 11747 | METROPOLITAN PROPERTY AND CASUALTY INSURANCE CO. | $2K | $14 | $2K | 9.87% |
| PILOT BENEFITS GROUP LLC3 Filed as: PILOT BENEFITS GROUP, LLC | 35 PINELAWN RD. SUITE 105E MELVILLE, NY 117473111 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $93 | $2K | 10.72% |
| HEFFERNAN INSURANCE BROKERS3 Filed as: HEFFERNAN INS BROKERS | 1350 CARLBACK AVE WALNUT CREEK, CA 945967299 | METROPOLITAN LIFE INSURANCE COMPANY | $4 | $0 | $4 | 0.02% |
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 | 311 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 317 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 324 | $37K |
| Dental | UNITED HEALTHCARE INSURANCE COMPANY | 1,050 | $350K |
| Vision | VISION SERVICE PLAN | 472 | $47K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 428 | $199K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 428 | $199K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 428 | $199K |
| Other(4 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 428 | $252K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,050 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.