| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC. | 225 WIRELESS BLVD HAUPPAUGE, NY 11788 | AMERIHEALTH INSURANCE COMPANY | $110K | — | $110K | 6.63% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BOULEVARD 2ND FLOOR HAUPPAUGE, NY 11788 | GUARDIAN | $8K | $4K | $12K | 15.93% |
| QUANTUM STRATEGIES3 | 12 REGENCY PLAZA GLEN MILLS, PA 19342 | GUARDIAN | $10 | — | $10 | 0.01% |
| QUANTUM STRATEGIES3 Filed as: QUANTUM STRATEGIES LLC | 12 REGENCY PLAZA GLEN MILLS, PA 19342 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $10K | — | $10K | 15.00% |
| EMERSON REID LLC3 | 1787 SENTRY PARKWAY WEST VEVA 320 SENTRY PKWY W 16 BLUE BELL, PA 19422 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | — | $3K | $3K | 5.00% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INSURANCE SERV | PO BOX 632886 CINCINNATI, OH 45263 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $984 | — | $984 | 10.00% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS INC. | 225 WIRELESS BLVD. 2ND FLOOR HAUPPAUGE, NY 11788 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $492 | $492 | 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 | 191 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 191 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AMERIHEALTH INSURANCE COMPANY | 208 | $1.7M |
| Dental | GUARDIAN | 113 | $76K |
| Vision | GUARDIAN | 113 | $76K |
| Life insurance(2 contracts, 2 carriers) | GUARDIAN | 165 | $143K |
| Prescription drug | AMERIHEALTH INSURANCE COMPANY | 208 | $1.7M |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 27 | $10K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 208 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.