| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PILOT BENEFITS GROUP LLC3 Filed as: PILOT BENEFITS GROUP, LLC | 35 PINELAWN RD SUITE 105E MELVILLE, NY 11747 | OXFORD HEALTH INSURANCE, INC | $434K | $0 | $434K | 2.50% |
| PILOT BENEFITS GROUP LLC3 | 35 PINELAWN RD SUITE 105E MELVILLE, NY 117473111 | UNITED HEALTHCARE INSURANCE COMPANY | $21K | $0 | $21K | 5.00% |
| PILOT BENEFITS GROUP LLC3 | 35 PINELAWN RD., SUITE 105E MELVILLE, NY 117473111 | METROPOLITAN LIFE INSURANCE COMPANY | $30K | $0 | $30K | 7.69% |
| PILOT BENEFITS GROUP LLC3 | 35 PINELAWN RD SUITE 105E MELVILLE, NC 11747 | COMPANION LIFE INSURANCE COMPANY | $5K | $1K | $7K | 6.09% |
| PILOT BENEFITS GROUP LLC3 | 35 PINELAWN RD SUITE 105E MELVILLE, NY 11747 | COMPANION LIFE INSURANCE COMPANY | $10K | $1K | $11K | 11.21% |
| PILOT BENEFITS GROUP LLC3 Filed as: PILOT BENEFITS GROUP, LLC | 35 PINELAWN RD SUITE 105E MELVILLE, NY 117473111 | VISION SERVICE PLAN | $943 | $0 | $943 | 2.06% |
| PILOT BENEFITS GROUP LLC3 | 35 PINELAWN RD, SUITE 105E MELVILLE, NY 11747 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 10.08% |
| PILOT BENEFITS GROUP LLC3 | 35 PINELAWN RD SUITE 105E MELVILLE, NY 11747 | MUTUAL OF OMAHA INSURANCE COMPANY | $2K | $181 | $2K | 11.01% |
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 | 1,509 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,512 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | OXFORD HEALTH INSURANCE, INC | 2,217 | $17.4M |
| Dental(2 contracts, 2 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 2,402 | $802K |
| Vision | VISION SERVICE PLAN | 886 | $46K |
| Life insurance(3 contracts, 2 carriers) | COMPANION LIFE INSURANCE COMPANY | 1,509 | $221K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 152 | $31K |
| Other(2 contracts, 2 carriers) | COMPANION LIFE INSURANCE COMPANY | 1,509 | $114K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,402 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.