| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RGA WEALTH MANAGEMENT GROUP INC3 | 26 COURT STREET SUITE 1616 BROOKLYN, NY 11242 | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | $258 | — | $258 | 13.80% |
| RGA WEALTH MANAGEMENT GROUP INC3 Filed as: RGA WEALTH MANAGEMENT GROUP INC. | 26 COURT STREET SUITE 1616 BROOKLYN, NY 11242 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $70 | — | $70 | 4.76% |
| BOLLINGER INC3 | 200 JEFFERSON PARK WHIPPANY, NJ 07981 | AETNA LIFE INSURANCE COMPANY | $6 | — | $6 | 0.62% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD 2ND FLOOR HAUPPAUGE, NY 11788 | SHELTERPOINT LIFE INSURANCE CO | $52 | — | $52 | 17.45% |
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 | 12 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 12 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 12 | $1K |
| Short-term disability | SHELTERPOINT LIFE INSURANCE CO | 11 | $298 |
| Long-term disability | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | 12 | $2K |
| Other | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 12 | $1K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 12 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.