| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NORTHEAST LLC | 123 MAIN STREET WHITE PLAINS, NY 10601 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $452K | — | $452K | 3.42% |
| PROFESIONAL GROUP PLANS, INC.3 | 225 WIRELESS BLVD, 2ND FLOOR HAUPPAUGE, NY 117880000 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $80K | — | $80K | 0.60% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NORTHEAST, LLC | 123 MAIN STREET, 14TH FLOOR WHITE PLAINS, NY 10601 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $24K | — | $24K | 2.84% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NORTHEAST, LLC | 123 MAIN STREET, 14TH FLOOR WHITE PLAINS, NY 10601 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $25K | — | $25K | 3.80% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NORTHEAST, LLC | 123 MAIN STREET, 14TH STREET WHITE PLAINS, NY 10601 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $17K | — | $17K | 5.24% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NORTHEAST, LCC | 123 MAIN STREET, 14TH STREET WHITE PLAINS, NY 10601 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $9K | — | $9K | 7.05% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| DIRECTPATH EIN 02-0677999 HEALTH ADVOCATE PROGRAM | Claims processing; Contract Administrator Service code 12 | — | $45K |
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 | 1,246 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 37 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,290 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,246 | $13.2M |
| Dental(4 contracts) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 566 | $2.0M |
| Vision(4 contracts) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 566 | $2.0M |
| Life insurance(4 contracts) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 566 | $2.0M |
| Short-term disability(4 contracts) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 566 | $2.0M |
| Long-term disability(4 contracts) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 566 | $2.0M |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,246 | $13.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,246 | — |
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.