| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD STE 200 HAUPPAUGE, NY 11788 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | — | $28 | $28 | 0.02% |
| CLEARCHOICE BENEFITS AGENCY LLC3 | 13 S 24TH STREET WYANDANCH, NY 11798 | ANTHEM LIFE & DISABILITY INSURANCE COMPANY | $312 | — | $312 | 6.05% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD STE 200 HAUPPAUGE, NY 11788 | ANTHEM LIFE & DISABILITY INSURANCE COMPANY | $208 | — | $208 | 4.03% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC. | 225 WIRELESS BLVD 2ND FLOOR HAUPPAUGE, NY 117880000 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $98 | $160 | $258 | 6.31% |
| CLEARCHOICE BENEFITS AGENCY LLC3 | 13 S 24TH STREET WYANDANCH, NY 11798 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $147 | — | $147 | 3.59% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS LLC | 225 WIRELESS BLVD SUITE 200 HAUPPAUGE, NY 11788 | FSL NY | $17 | — | $17 | 2.50% |
| MICHELLE HENDERSON DBA CLEARCHOICE3 | BENEFITS AGENCY 13 S 24TH STREET WYANDANCH, NY 11798 | FSL NY | $17 | — | $17 | 2.50% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC | 225 WIRELESS BLVD 2ND FLOOR HAUPPAUGE, NY 117880000 | CIGNA DENTAL HEALTH OF NEW JERSEY, INC. | $5 | $5 | $10 | 7.52% |
| CLEARCHOICE BENEFITS AGENCY LLC3 | 13 S 24TH STREET WYANDANCH, NY 11798 | CIGNA DENTAL HEALTH OF NEW JERSEY, INC. | $8 | — | $8 | 6.02% |
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 | 209 | 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) | 209 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 183 | $118K |
| Dental(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 129 | $4K |
| Vision(2 contracts, 2 carriers) | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 183 | $119K |
| Life insurance | ANTHEM LIFE & DISABILITY INSURANCE COMPANY | 209 | $5K |
| Short-term disability | ANTHEM LIFE & DISABILITY INSURANCE COMPANY | 209 | $5K |
| Long-term disability | ANTHEM LIFE & DISABILITY INSURANCE COMPANY | 209 | $5K |
| Other | ANTHEM LIFE & DISABILITY INSURANCE COMPANY | 209 | $5K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 209 | — |
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.