| 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. | $197K | $58K | $255K | 4.38% |
| BRIO BENEFIT CONSULTING INC3 | 30 BROAD ST 35TH FLOOR NEW YORK, NY 10004 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $30K | $2K | $32K | 8.83% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD SUITE 200 HAUPPAUGE, NY 10004 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $16K | $16K | 4.38% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD SUITE 200 HAUPPAUGE, NY 11788 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $13K | $13K | 5.00% |
| BRIO BENEFIT CONSULTING INC3 | 30 BROAD ST 35TH FLOOR NEW YORK, NY 10004 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $6K | $11K | 4.07% |
| BRIO BENEFIT CONSULTING INC3 | 30 BROAD STREET 35TH FLOOR NEW YORK, NY 100040000 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $4K | $9K | 6.23% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS | 225 WIRELESS BLVD SUITE 200 HAUPPAUGE, NY 11788 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $7K | $7K | 5.00% |
| BRIO BENEFIT CONSULTING INC3 | 30 BROAD ST 35TH FLOOR NEW YORK, NY 10004 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $4K | $8K | 5.40% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC | 225 WIRELESS BLVD SUITE 200 HAUPPAUGE, NY 11788 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $7K | $7K | 5.00% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD SUITE 200 HAUPPAUGE, NY 11788 | VISION SERVICE PLAN | $2K | $0 | $2K | 4.98% |
| BRIO BENEFIT CONSULTING INC3 | 30 BROAD ST 35TH FL NEW YORK, NY 10004 | VISION SERVICE PLAN | $2K | $0 | $2K | 3.99% |
| BRIO BENEFIT CONSULTING INC3 Filed as: BRIO BENEFIT CONSULTING, INC | 30 BROAD STREET 35TH FLOOR NEW YORK, NY 100040000 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $529 | $2K | 11.96% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC | 225 WIRELESS BLVD SUITE 200 HAUPPAUGE, NY 11788 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $1K | $1K | 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 | 1,215 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 15 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 235 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,465 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HORIZON HEALTHCARE SERVICES, INC. | 1,009 | $9.8M |
| Dental(2 contracts, 2 carriers) | UPMC HEALTH OPTIONS | 1,009 | $4.4M |
| Vision | VISION SERVICE PLAN | 446 | $42K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,215 | $260K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,215 | $146K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,215 | $148K |
| Prescription drug | HORIZON HEALTHCARE SERVICES, INC. | 502 | $5.8M |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 1,215 | $21K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,215 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.