| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF NEW YORK LLC | 653 FOREST AVE. STATEN ISLAND, NY 10310 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $43K | $43K | 4.00% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC. | 225 WIRELESS BLVD., STE. 200 HAUPPAUGE, NY 11788 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $21K | $21K | 2.00% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF NEW YORK | 653 FOREST AVE. STATEN ISLAND, NY 10310 | FIRST UNUM LIFE INSURANCE COMPANY | $11K | $144 | $11K | 11.93% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC. | 225 WIRELESS BLVD., STE. 200 HAUPPAUGE, NY 11788 | FIRST UNUM LIFE INSURANCE COMPANY | $3K | $247 | $4K | 4.10% |
| FIDUCIARY INTERMEDIARY LTD3 | 370 LEXINGTON AVE., RM. 703 NEW YORK, NY 10017 | FIRST UNUM LIFE INSURANCE COMPANY | $1K | — | $1K | 1.18% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF NEW YORK | 653 FOREST AVE. STATEN ISLAND, NY 10310 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $5K | — | $5K | 7.48% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC. | 225 WIRELESS BLVD., STE. 200 HAUPPAUGE, NY 11788 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $2K | $2K | 3.97% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC. | 225 WIRELESS BLVD., STE. 200 HAUPPAUGE, NY 11788 | UNITEDHEALTHCARE INSURANCE COMPANY | $1K | — | $1K | 16.88% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF NEW YORK | 653 FOREST AVE. STATEN ISLAND, NY 10310 | UNITEDHEALTHCARE INSURANCE COMPANY | $828 | — | $828 | 13.22% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE FILCO ACOUISITION | 354 EISENHOWER PKW., STE. 2850 LIVINGSTON, NJ 07039 | UNITEDHEALTHCARE INSURANCE COMPANY | -$202 | — | -$202 | -3.23% |
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 | 106 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 106 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 117 | $1.1M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 103 | $60K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 97 | $6K |
| Life insurance | FIRST UNUM LIFE INSURANCE COMPANY | 317 | $91K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 317 | $91K |
| Other | FIRST UNUM LIFE INSURANCE COMPANY | 317 | $91K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 317 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.