| 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 | $198K | $0 | $198K | 2.27% |
| PILOT BENEFITS GROUP LLC3 | 35 PINELAWN RD SUITE 105E MELVILLE, NY 117473111 | UNITED HEALTHCARE INSURANCE COMPANY | $151K | $0 | $151K | 2.07% |
| PILOT BENEFITS GROUP LLC3 | 35 PINELAWN RD., SUITE 105E MELVILLE, NY 117473111 | UNITED HEALTHCARE INSURANCE COMPANY | $43K | $0 | $43K | 4.58% |
| PILOT BENEFITS GROUP LLC3 | 35 PINELAWN RD SUITE 105E MELVILLE, NY 11747 | COMPANION LIFE INSURANCE COMPANY | $12K | $0 | $12K | 10.00% |
| PILOT BENEFITS GROUP LLC3 | 35 PINELAWN RD SUITE 105E MELVILLE, NC 11747 | COMPANION LIFE INSURANCE COMPANY | $5K | $0 | $5K | 4.70% |
| PILOT BENEFITS GROUP LLC3 Filed as: PILOT BENEFITS GROUP, LLC | 35 PINELAWN RD SUITE 105E MELVILLE, NY 117473111 | VISION SERVICE PLAN | $2K | $0 | $2K | 2.31% |
| PILOT BENEFITS GROUP LLC3 | 35 PINELAWN RD, SUITE 105E MELVILLE, NY 11747 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 9.40% |
| PILOT BENEFITS GROUP LLC3 | 35 PINELAWN RD SUITE 105E MELVILLE, NY 11747 | COMPANION LIFE INSURANCE COMPANY | $3K | $0 | $3K | 8.87% |
| PILOT BENEFITS GROUP LLC3 | 35 PINELAWN RD SUITE 105E MELVILLE, NC 11747 | MUTUAL OF OMAHA INSURANCE COMPANY | $3K | $0 | $3K | 10.76% |
| PILOT BENEFITS GROUP LLC3 | 35 PINELAWN RD SUITE 105E MELVILLE, NY 11747 | COMPANION LIFE INSURANCE COMPANY | $3K | $0 | $3K | 10.00% |
| PILOT BENEFITS GROUP LLC3 | 35 PINELAWN RD SUITE 105E MELVILLE, NY 11747 | MUTUAL OF OMAHA INSURANCE COMPANY | $2K | $0 | $2K | 10.00% |
| PILOT BENEFITS GROUP LLC3 | 35 PINELAWN RD SUITE 105E MELVILLE, NY 11747 | MUTUAL OF OMAHA INSURANCE COMPANY | $2K | $0 | $2K | 10.00% |
| PILOT BENEFITS GROUP LLC3 | 35 PINELAWN RD SUITE 105E MELVILLE, NY 11747 | MUTUAL OF OMAHA INSURANCE COMPANY | $583 | $0 | $583 | 10.00% |
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 | 1,577 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,582 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | OXFORD HEALTH INSURANCE, INC | 4,400 | $16.0M |
| Dental | UNITED HEALTHCARE INSURANCE COMPANY | 2,174 | $932K |
| Vision | VISION SERVICE PLAN | 919 | $95K |
| Life insurance(6 contracts, 2 carriers) | COMPANION LIFE INSURANCE COMPANY | 1,577 | $328K |
| Short-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 52 | $18K |
| Long-term disability(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 344 | $70K |
| Other(4 contracts, 2 carriers) | COMPANION LIFE INSURANCE COMPANY | 1,577 | $177K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 4,400 | — |
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.