| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF TEXAS LLC | 500 N CENTRAL EXPY STE 550 PLANO, TX 75074 | UNITEDHEALTHCARE INSURANCE COMPANY | $76K | $0 | $76K | 4.00% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FINANCIAL SERVICE | 1133 WESTCHESTER AVE STE S-229 WEST HARRISON, NY 10604 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $21K | $21K | 1.10% |
| OLYMPIC AGENCY INC3 Filed as: OLYMPIC AGENCY INSURANCE | OPMB 370 1353 CARR 19 GUAYNABO, PR 00966 | MCS LIFE INSURANCE COMPANY | $13K | $0 | $13K | 4.95% |
| CGF INSURANCE LLC3 Filed as: CGF INSURANCE, LLC | CAPARRA OFFICE CENTER SUITE 200 GUAYNABO, PR 00968 | MCS LIFE INSURANCE COMPANY | $0 | $3K | $3K | 1.00% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS & FINANCIAL SERVICE | 1133 WESTCHESTER AVE STE S-229 WHITE PLAINS, NY 10604 | UNITEDHEALTHCARE INSURANCE COMPANY | $4K | $3K | $7K | 9.19% |
| NETWORK ADMIN INSURANCE AGENCY INC3 Filed as: NETWORK ADMINISTRATORS INS. AGENCY | 4114 LEGATO RD SUITE 400 FAIRFAX, VA 22033 | UNITEDHEALTHCARE INSURANCE COMPANY | $5K | $0 | $5K | 6.31% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD #308 HAUPPAUGE, NY 11788 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $4K | $3K | $8K | 17.74% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC | 205 WIRELESS BLVD #308 HAUPPAUGE, NY 11788 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $2K | $764 | $2K | 21.98% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD #308 HAUPPAUGE, NY 11788 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $805 | $527 | $1K | 20.45% |
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 | 139 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 8 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 147 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 152 | $2.2M |
| Dental(2 contracts, 2 carriers) | MCS LIFE INSURANCE COMPANY | 183 | $344K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 183 | $75K |
| Life insurance(3 contracts, 2 carriers) | MCS LIFE INSURANCE COMPANY | 139 | $286K |
| Long-term disability | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 142 | $43K |
| Prescription drug | MCS LIFE INSURANCE COMPANY | 58 | $269K |
| Other(2 contracts) | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 139 | $17K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 183 | — |
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.