| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PILOT BENEFITS GROUP LLC3 Filed as: PILOT BENEFITS GROUP, LLC | 35 PINELAWN ROAD, SUITE 105E MELVILLE, NY 11747 | EMBLEM HEALTH | $216K | — | $216K | 1.82% |
| HEFFERNAN INSURANCE BROKERS3 | 1350 CARLBACK AVE WALNUT CREEK, CA 94595 | EMBLEM HEALTH | $186K | — | $186K | 1.57% |
| HEFFERNAN INSURANCE BROKERS3 | P.O. BOX 4006 WALNUT CREEK, CA 945961796 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $29K | — | $29K | 4.94% |
| PILOT BENEFITS GROUP LLC3 Filed as: PILOT BENEFITS GROUP, LLC | 35 PINELAWN RD., SUITE 105E MELVILLE, NY 117473111 | METROPOLITAN LIFE INSURANCE COMPANY | $14K | — | $14K | 2.53% |
| HEFFERNAN INSURANCE BROKERS3 | P.O. BOX 4006 WALNUT CREEK, CA 94596 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $29 | $4K | 0.64% |
| HEFFERNAN INSURANCE BROKERS3 | P.O. BOX 4006 WALNUT CREEK, CA 94596 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | — | $5K | 7.24% |
| HEFFERNAN INSURANCE BROKERS3 | P.O. BOX 4006 WALNUT CREEK, CA 94596 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $8K | — | $8K | 15.00% |
| HEFFERNAN INSURANCE BROKERS3 | 1350 CARLBACK AVE WALNUT CREEK, CA 94596 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 14.37% |
| PILOT BENEFITS GROUP LLC3 Filed as: PILOT BENEFITS GROUP, LLC | 35 PINELAWN ROAD, SUITE 105E MELVILLE, NY 11747 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $329 | — | $329 | 1.27% |
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 | 1,520 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,527 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EMBLEM HEALTH | 995 | $11.9M |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 2,438 | $1.1M |
| Vision | EMBLEM HEALTH | 995 | $11.9M |
| Life insurance(4 contracts) | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 1,520 | $116K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 130 | $26K |
| Prescription drug | EMBLEM HEALTH | 995 | $11.9M |
| Other(4 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 2,438 | $629K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,438 | — |
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.