| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NORTHEAST LLC | 445 HAMILTON AVE 10TH FLOOR WHITE PLAINS, NY 10601 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | -$41 | $587K | $587K | 4.00% |
| PROFESIONAL GROUP PLANS, INC.3 | 225 WIRELESS BLVD, 2ND FLOOR HAUPPAUGE, NY 117880000 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $80K | — | $80K | 0.55% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NORTHEAST, LLC | 123 MAIN ST FLOOR 14 WHITE PLAINS, NY 10601 | KAISER FOUNDATION HEALTH PLAN INC | $65K | — | $65K | 3.93% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC. | 225 WIRELESS BLVD FLOOR 2 HAUPPAUGE, NY 11788 | KAISER FOUNDATION HEALTH PLAN INC | $16K | — | $16K | 0.98% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NORTHEAST, LLC | 445 HAMILTON AVE 10TH FLOOR WHITE PLAINS, NY 10601 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $44K | $20K | $64K | 6.27% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NORTHEAST, LLC | 445 HAMILTON AVE 10TH FLOOR WHITE PLAINS, NY 10601 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $35K | $21K | $56K | 5.66% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NORTHEAST, LCC | 445 HAMILTON AVE 10TH FLOOR WHITE PLAINS, NY 10601 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $21K | $12K | $33K | 8.54% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NORTHEAST, LLC | 445 HAMILTON AVE 10TH FLOOR WHITE PLAINS, NY 10601 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $10K | $6K | $16K | 12.17% |
| FOREST HILLS FINANCIAL GROUP3 | 11835 QUEENS BLVD SUITE 1230 FOREST HILLS, NY 11375 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $194 | — | $194 | 0.15% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| PROGRESSIVE BENEFIT SOLUTIONS, LLC EIN 56-2475468 BENEFIT ADMINISTRATION | Contract Administrator; Claims processing Service code 12 | — | $85K |
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 | 1,117 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 17 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 28 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,162 | 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 | 1,117 | $16.3M |
| Dental(4 contracts) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 579 | $2.5M |
| Vision(4 contracts) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 579 | $2.5M |
| Life insurance(4 contracts) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 579 | $2.5M |
| Short-term disability(4 contracts) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 579 | $2.5M |
| Long-term disability(4 contracts) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 579 | $2.5M |
| Other(4 contracts) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 579 | $2.5M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,117 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.