| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TOTAL INSURANCE BROKERAGE, LLC3 | 5 HILLANDALE AVENUE 2ND FLOOR STAMFORD, CT 06902 | OXFORD HEALTH INSURANCE, INC. | $48K | $0 | $48K | 3.96% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS. & FINANCIAL SVCS. | 1133 WESTCHESTER AVENUE SUITE S229 WHITE PLAINS, NY 10604 | OXFORD HEALTH INSURANCE, INC. | $0 | $17K | $17K | 1.42% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC. | 225 WIRELESS BLVD. SUITE 200 HAUPPAUGE, NY 11788 | OXFORD HEALTH INSURANCE, INC. | $0 | $2K | $2K | 0.15% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE NEW YORK | 1133 WESTCHESTER AVENUE SUITE S229 WHITE PLAINS, NY 10604 | UNITED HEALTHCARE INSURANCE COMPANY | $9K | $0 | $9K | 8.31% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC. | 225 WIRELESS BLVD. SUITE 220 HAUPPAUGE, NY 11788 | UNITED HEALTHCARE INSURANCE COMPANY | $935 | $0 | $935 | 0.90% |
| TOTAL INSURANCE BROKERAGE, LLC3 Filed as: TOTAL INSURANCE BROKERAGE LLC | 5 HILLANDALE AVENUE STAMFORD, CT 06902 | UNITED HEALTHCARE INSURANCE COMPANY | $280 | $0 | $280 | 0.27% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INS. & FINANCIAL SVCS. | 1133 WESTCHESTER AVENUE SUITE S229 WHITE PLAINS, NY 10604 | SHELTERPOINT LIFE INSURANCE CO. | $4K | $0 | $4K | 13.39% |
| PASCAL GUIRMA3 | 136 NORTH CHESTNUT STREET NEW PALTZ, NY 12561 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | $0 | $4K | 12.02% |
| TOTAL INSURANCE BROKERAGE, LLC3 | 5 HILLANDALE AVENUE STAMFORD, CT 06902 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $644 | $0 | $644 | 7.36% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC. | 225 WIRELESS BLVD. SUITE 200 HAUPPAUGE, NY 11788 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $0 | $323 | $323 | 3.69% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: CENTERSTONE INSURANCE NEW YORK | 1133 WESTCHESTER AVENUE SUITE S229 WHITE PLAINS, NY 10604 | UNITEDHEALTHCARE INSURANCE COMPANY | $714 | $0 | $714 | 13.47% |
| TOTAL INSURANCE BROKERAGE, LLC3 Filed as: TOTAL INSURANCE BROKERAGE LLC | 5 HILLANDALE AVENUE STAMFORD, CT 06902 | UNITEDHEALTHCARE INSURANCE COMPANY | $101 | $0 | $101 | 1.91% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC. | 225 WIRELESS BLVD. SUITE 200 HAUPPAUGE, NY 11788 | UNITEDHEALTHCARE INSURANCE COMPANY | $101 | $0 | $101 | 1.91% |
| TOTAL INSURANCE BROKERAGE, LLC3 Filed as: TOTAL INSURANCE BROKERAGE LLC | 5 HILLANDALE AVENUE STAMFORD, CT 06902 | CIGNA HEALTHCARE OF CONNECTICUT, INC. | $58 | $0 | $58 | 9.91% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC. | 225 WIRELESS BLVD. SUITE 200 HAUPPAUGE, NY 11788 | CIGNA HEALTHCARE OF CONNECTICUT, INC. | $0 | $23 | $23 | 3.93% |
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 | 446 | 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) | 446 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 4 carriers) | OXFORD HEALTH INSURANCE, INC. | 168 | $1.4M |
| Dental(3 contracts, 3 carriers) | UNITED HEALTHCARE INSURANCE COMPANY | 120 | $114K |
| Vision(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 116 | $14K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 367 | $33K |
| Short-term disability | SHELTERPOINT LIFE INSURANCE CO. | 449 | $33K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 367 | $33K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 449 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.