| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC. | 225 WIRELESS BLVD, 2ND FLOOR HAUPPAUGE, NY 11788 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $172K | $172K | 2.11% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NORTHEAST LLC | 800 WESTCESTER AVE SUITE 200 RYE BROOKE, NY 10573 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $11K | $156K | $167K | 2.05% |
| ARCHON LLC3 | 225 WIRELESS BLVD STE 200 HAUPPAGE, NY 11788 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | — | $18K | $18K | 14.00% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NE LLC | 445 HAMILTON AVE WHITE PLAINS, NY 10601 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | $4K | — | $4K | 3.07% |
| ARCHON LLC3 | 225 WIRESLESS BLVD STE 200 HAUPPAGE, NY 11788 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | — | $13K | $13K | 12.35% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NE LLC | 445 HAMILTON AVE WHITE PLAINS, NY 10601 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | $4K | — | $4K | 4.00% |
| ARCHON LLC3 | 225 WIRELESS BLVD #200 HAUPPAGE, NY 11788 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | — | $9K | $9K | 13.11% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NE LLC | 445 HAMILTON AVE WHITE PLAINS, NY 10601 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | $3K | — | $3K | 4.00% |
| ARCHON LLC3 | 225 WIRELESS BLVD STE 200 HAUPPAGE, NY 11788 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | — | $6K | $6K | 12.68% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NE LLC | 445 HAMILTON AVE WHITE PLAINS, NY 10601 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | $2K | — | $2K | 4.00% |
| ARCHON LLC3 | 225 WIRELES BLVD STE 200 HAUPPAGE, NY 11788 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | — | $1K | $1K | 12.92% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NE LLC | 445 HAMILTON AVE WHITE PLAINS, NY 10601 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $317 | — | $317 | 4.00% |
| ARCHON LLC3 | 225 WIRELESS BLVD #200 HAUPPAUGE, NY 11788 | LIFE INSURANCE COMPANY OF NA | — | $416 | $416 | 6.64% |
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 | 275 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 278 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 275 | $8.1M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 275 | $8.1M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 275 | $8.1M |
| Life insurance | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | 275 | $71K |
| Short-term disability(2 contracts) | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | 275 | $233K |
| Long-term disability | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | 275 | $45K |
| Other(3 contracts, 3 carriers) | NEW YORK LIFE GROUP INSURANCE COMPANY OF NY | 275 | $86K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 275 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.