| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| S S NESBITT & CO INC3 Filed as: ROSS NESBIT AGENCIES INC | 5900 ROWLAND RD MINNETONKA, MN 55343 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $6K | — | $6K | 10.04% |
| ARCHON LLC3 Filed as: ARCHON BENEFITS - MN | 225 WIRELESS BLVD SMITHTOWN, NY 11788 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $3K | — | $3K | 5.02% |
| S S NESBITT & CO INC3 Filed as: ROSS NESBIT AGENCY | 5900 ROWLAND RD MINNETONKA, MN 55343 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $105 | $3K | 20.49% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD 2ND F1 HAUPPAUGE, NY 11788 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $630 | $630 | 4.14% |
| S S NESBITT & CO INC3 Filed as: ROSS NESBIT AGENCIES INC | 5900 ROWLAND RD MINNETONKA, MN 55343 | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | $2K | — | $2K | 15.00% |
| S S NESBITT & CO INC3 Filed as: ROSS NESBIT AGENCY | 5900 ROWLAND RD MINNETONKA, MN 55343 | UNUM INSURANCE COMPANY | $570 | $61 | $631 | 7.06% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | P.O. BOX 95287 CHICAGO, IL 60694 | UNUM INSURANCE COMPANY | $449 | — | $449 | 7.75% |
| S S NESBITT & CO INC3 Filed as: ROSS NESBIT AGENCY INC | 5900 ROWLAND RD MINNETONKA, MN 55343 | UNUM INSURANCE COMPANY | $272 | $89 | $361 | 6.23% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 W GOLD RD ROLLING MEADOWS, IL 60008 | UNUM INSURANCE COMPANY | — | $165 | $165 | 2.85% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD 2ND F1 HAUPPAUGE, NY 11788 | UNUM INSURANCE COMPANY | — | $65 | $65 | 1.12% |
| S S NESBITT & CO INC3 Filed as: ROSS NESBIT AGENCY | 5900 ROWLAND RD MINNETONKA, MN 55343 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $795 | $40 | $835 | 14.66% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD 2ND F1 HAUPPAUGE, NY 11788 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $224 | $224 | 3.93% |
| S S NESBITT & CO INC3 Filed as: ROSS NESBIT AGENCY | 5900 ROWLAND RD MINNETONKA, MN 55343 | UNUM INSURANCE COMPANY | $167 | $56 | $223 | 5.53% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD 2ND F1 HAUPPAUGE, NY 11788 | UNUM INSURANCE COMPANY | $8 | $60 | $68 | 1.68% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC. | P.O. BOX 95287 CHICAGO, IL 60694 | UNUM INSURANCE COMPANY | $8 | — | $8 | 0.20% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 W GOLD RD ROLLING MEADOWS, IL 60008 | UNUM INSURANCE COMPANY | — | $3 | $3 | 0.07% |
| S S NESBITT & CO INC3 Filed as: ROSS NESBIT AGENCY | 5900 ROWLAND RD MINNETONKA, MN 55343 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $467 | $23 | $490 | 14.44% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD 2ND F1 HAUPPAUGE, NY 11788 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $141 | $141 | 4.16% |
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 | 269 | 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) | 269 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 96 | $56K |
| Vision | EYEMED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INSURANCE CO. | 73 | $10K |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 269 | $9K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 31 | $15K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 31 | $15K |
| Other(5 contracts, 2 carriers) | UNUM INSURANCE COMPANY | 269 | $28K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 269 | — |
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.