| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SCHONBERG, THOMAS3 | 8 WOODS LANE RYE, NY 10580 | CIGNA HEALTH AND LIFE INSURANCE CO. | $7K | — | $7K | 4.98% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC. | 225 WIRELESS BLVD, 2ND FLOOR HAUPPAUGE, NY 11788 | CIGNA HEALTH AND LIFE INSURANCE CO. | — | $5K | $5K | 3.56% |
| LOURO, STEPHEN3 | 225 WIRELESS BLVD. 2ND FLR HAUPPAUGE, NY 11788 | CIGNA HEALTH AND LIFE INSURANCE CO. | $2K | — | $2K | 1.24% |
| THOMAS SCHONBERG3 | 8 WOODS LANE ST RYE, NY 10580 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 7.15% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS | 100 WALNUT AVE STE 504 CLARK, NJ 07006 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $834 | $834 | 3.34% |
| STEPHEN LOURO3 | 225 WIRELESS BLVD STE 200 HAUPPAUGE, NY 11788 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $446 | $143 | $589 | 2.36% |
| STEPHEN LOURO3 | 225 WIRELESS BLVD STE 200 HAUPPAUGE, NY 11788 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $191 | $191 | 0.77% |
| THOMAS SCHONBERG3 | 8 WOODS LANE ST. RYE, NY 10580 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $390 | — | $390 | 12.01% |
| STEPHEN LOURO3 | 225 WIRELESS BLVD STE 200 HAUPPAUGE, NY 11788 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $87 | $13 | $100 | 3.08% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS | 100 WALNUT AVE SUITE 504 CLARK, NJ 07006 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $64 | $64 | 1.97% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE COM EIN 59-1031071 BROKER | Insurance agents and brokers Service code 22 | — | $62K |
| THOMAS SCHONBERG BROKER | Insurance agents and brokers Service code 22 | 8 WOODS LANE ST RYE, NY 10580 | $34K |
| PROFESSIONAL GROUP PLANS INC. BROKER | Insurance agents and brokers Service code 22 | 225 WIRELESS BLVD, SUITE 200 HAUPPAUGE, NY 11788 | $29K |
| STEPHEN LOURO BROKER | Insurance agents and brokers Service code 22 | 225 WIRELESS BLVD. SUITE 200 HAUPPAUGE, NY 11788 | $8K |
| CIGNA | Non-monetary compensation; Other services; Float revenue; Contract Administrator; Named fiduciary; Participant communication; Direct payment from the plan; Claims processing Service code 12 | — | $0 |
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 | 109 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 109 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE CO. | 109 | $142K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE CO. | 109 | $142K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 109 | $25K |
| Other(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 109 | $28K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 109 | — |
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.