| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PILOT BENEFITS GROUP LLC3 | 275 BROAD HOLLOW RD #432 MELVILLE, NY 11747 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $189K | $75K | $264K | 4.19% |
| PILOT BENEFITS GROUP LLC3 | 275 BROAD HOLLOW ROAD, STE. 432 MELVILLE, NY 11747 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $25K | $12K | $37K | 5.09% |
| PILOT BENEFITS GROUP LLC3 | 35 PINELAWN RD SUITE 105E MELVILLE, NY 11747 | SUN LIFE AND HEALTH INSURANCE COMPANY | $2K | $0 | $2K | 0.66% |
| PILOT BENEFITS GROUP LLC3 | 35 PINELAWN RD, SUITE 105E MELVILLE, NY 11747 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 5.96% |
| PILOT BENEFITS GROUP LLC3 | 35 PINELAWN RD SUITE 105E MELVILLE, NY 11747 | MUTUAL OF OMAHA INSURANCE COMPANY | $4K | $0 | $4K | 11.93% |
| PILOT BENEFITS GROUP LLC3 Filed as: PILOT BENEFITS GROUP | 35 PINELAWN RD SUITE 105E MELVILLE, NY 11747 | MUTUAL OF OMAHA INSURANCE COMPANY | $2K | $0 | $2K | 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 | 2,260 | 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) | 2,267 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 1,674 | $6.3M |
| Dental | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 1,828 | $722K |
| Vision | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 1,828 | $722K |
| Life insurance | SUN LIFE AND HEALTH INSURANCE COMPANY | 2,260 | $300K |
| Short-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 40 | $16K |
| Long-term disability(2 contracts, 2 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 262 | $79K |
| Other | SUN LIFE AND HEALTH INSURANCE COMPANY | 2,260 | $300K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,260 | — |
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.