| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS, NORTHEAST LLC | 123 MAIN STREET, 14TH FLOOR WHITE PLAINS, NY 10601 | OXFORD HEALTH INSURANCE, INC. | $226K | — | $226K | 3.98% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC. | 225 WIRELESS BOULEVARD SUITE 200 HAUPPAUGE, NY 11788 | OXFORD HEALTH INSURANCE, INC. | — | $41K | $41K | 0.73% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NORTHEAST, LLC | 1300 WINSTED ROAD TORRINGTON, CT 06790 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $24K | $16K | $39K | 5.85% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| PROGRESSIVE BENEFIT SOLUTIONS, LLC EIN 56-2475468 FSA ADMIN | Claims processing; Contract Administrator Service code 12 | — | $19K |
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 | 242 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 6 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 257 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | OXFORD HEALTH INSURANCE, INC. | 242 | $5.7M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 241 | $674K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 241 | $674K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 241 | $674K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 241 | $674K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 241 | $674K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 241 | $674K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 242 | — |
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."
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.