| 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 | $1K | $538K | $539K | 4.00% |
| PROFESIONAL GROUP PLANS, INC.3 | 225 WIRELESS BLVD, 2ND FLOOR HAUPPAUGE, NY 117880000 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $80K | -$48 | $80K | 0.59% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NORTHEAST, LLC | 123 MAIN ST FLOOR 14 WHITE PLAINS, NY 10601 | KAISER FOUNDATION HEALTH PLAN INC | $50K | $17K | $67K | 5.11% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC. | 225 WIRELESS BLVD FLOOR 2 HAUPPAUGE, NY 11788 | KAISER FOUNDATION HEALTH PLAN INC | $13K | $4K | $17K | 1.28% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NORTHEAST, LLC | 1300 WINSTED ROAD TORRINGTON, CT 06790 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $41K | $21K | $62K | 5.77% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NORTHEAST, LLC | 1300 WINSTED ROAD TORRINGTON, CT 06790 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $38K | $19K | $57K | 5.59% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NORTHEAST, LCC | 1300 WINSTED ROAD TORRINGTON, CT 06790 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $18K | $11K | $28K | 9.50% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NORTHEAST, LLC | 1300 WINSTED ROAD TORRINGTON, CT 06790 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $8K | $13K | $22K | 18.44% |
| FOREST HILLS FINANCIAL GROUP3 | 11835 QUEENS BLVD SUITE 1230 FOREST HILLS, NY 11375 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $78 | — | $78 | 0.07% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| PROGRESSIVE BENEFIT SOLUTIONS, LLC EIN 56-2475468 BENEFIT ADMINISTRATION | Contract Administrator; Claims processing Service code 12 | — | $46K |
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 | 1,067 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 12 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 48 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,127 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,067 | $14.8M |
| Dental(4 contracts) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 583 | $2.5M |
| Vision(4 contracts) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 583 | $2.5M |
| Life insurance(4 contracts) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 583 | $2.5M |
| Short-term disability(4 contracts) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 583 | $2.5M |
| Long-term disability(4 contracts) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 583 | $2.5M |
| Other(4 contracts) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 583 | $2.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,067 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.