| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PROFESSIONAL GROUP PLANS INC3 Filed as: NORTHEAST PROFESSIONAL PLANNING GRP | 121 MONMOUTH ST., SUITE A RED BANK, NJ 07701 | HORIZON HEALTHCARE SERVICES, INC. | $26K | — | $26K | 1.90% |
| CARL DERISO3 | 14 SCRIMSHAW DRIVE SOUTHAMPTON, NY 11968 | DELTA DENTAL OF NJ, INC. | $3K | — | $3K | 2.09% |
| NPPG EMPLOYEE BENEFITS LLC3 Filed as: NPPG INC. | 121 MONMOUTH ST, SUITE A RED BANK, NJ 07701 | DELTA DENTAL OF NJ, INC. | $214 | — | $214 | 0.17% |
| CARL DERISO3 | 14 SCRIMSHAW DR. SOUTHAMPTON, NY 11968 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 3.81% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: NORTHEAST PROFESSIONAL PLANNING GRP | 121 MONMOUTH ST., SUITE A RED BANK, NJ 07701 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $897 | — | $897 | 1.57% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS INC. | 225 WIRELESS BLVD., 2ND FLR HAUPPAUGE, NY 11788 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $488 | $488 | 0.86% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: NORTHEAST PROFESSIONAL PLANNING GRP | 121 MONMOUTH ST., SUITE A RED BANK, NJ 07701 | HORIZON INSURANCE COMPANY | $1K | — | $1K | 9.98% |
| CARL DERISO3 | 14 SCRIMSHAW DRIVE SOUTHAMPTON, NY 11968 | FLAGSHIP HEALTH SYSTEMS | $151 | — | $151 | 2.29% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: NORTHEAST PROFESSIONAL PLANNING GRP | 121 MONMOUTH ST., SUITE A RED BANK, NJ 07701 | FLAGSHIP HEALTH SYSTEMS | $17 | — | $17 | 0.26% |
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 | 177 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 177 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HORIZON HEALTHCARE SERVICES, INC. | 132 | $1.3M |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF NJ, INC. | 144 | $132K |
| Vision | HORIZON INSURANCE COMPANY | 129 | $13K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 174 | $57K |
| Short-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 174 | $57K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 174 | $57K |
| Prescription drug | HORIZON HEALTHCARE SERVICES, INC. | 132 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 174 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.