| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC | 225 WIRELESS BLVD SUITE 200 HAUPPAUGE, NY 11788 | HORIZON HEALTHCARE SERVICES, INC. | $141K | — | $141K | 4.55% |
| BRIO BENEFIT CONSULTING INC3 | 42 BROADWAY SUITE 1932 NEW YORK, NY 10004 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $15K | $2K | $17K | 8.08% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD SUITE 200 HAUPPAUGE, NY 10004 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $8K | $8K | 3.97% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD SUITE 200 HAUPPAUGE, NY 11788 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 5.00% |
| BRIO BENEFIT CONSULTING INC3 | 42 BROADWAY SUITE 1932 NEW YORK, NY 10004 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 4.31% |
| BRIO BENEFIT CONSULTING INC3 | 42 BROADWAY SUITE 1932 NEW YORK, NY 10004 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | — | $5K | 7.81% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS | 225 WIRELESS BLVD SUITE 200 HAUPPAUGE, NY 11788 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $3K | $3K | 5.00% |
| BRIO BENEFIT CONSULTING INC3 | 42 BROADWAY SUITE 1932 NEW YORK, NY 10004 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 6.38% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC | 225 WIRELESS BLVD SUITE 200 HAUPPAUGE, NY 11788 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $3K | $3K | 5.00% |
| BRIO BENEFIT CONSULTING INC3 | 42 BROADWAY SUITE 1932 NEW YORK, NY 10004 | VISION SERVICE PLAN | $1K | — | $1K | 5.03% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD SUITE 200 HAUPPAUGE, NY 11788 | VISION SERVICE PLAN | $1K | — | $1K | 5.00% |
| BRIO BENEFIT CONSULTING INC3 Filed as: BRIO BENEFIT CONSULTING, INC | 42 BROADWAY SUITE 1932 NEW YORK, NY 10004 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 12.00% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC | 225 WIRELESS BLVD SUITE 200 HAUPPAUGE, NY 11788 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $423 | — | $423 | 5.00% |
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 | 274 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 274 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HORIZON HEALTHCARE SERVICES, INC. | 240 | $3.1M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 232 | $210K |
| Vision | VISION SERVICE PLAN | 231 | $25K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 274 | $91K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 274 | $55K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 274 | $59K |
| Prescription drug | HORIZON HEALTHCARE SERVICES, INC. | 240 | $3.1M |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 274 | $8K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 274 | — |
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.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
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.