| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SCHONBERG, THOMAS3 | 8 WOODS LANE RYE, NY 10580 | CIGNA HEALTH AND LIFE INSURANCE CO. | $9K | — | $9K | 4.97% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC. | 225 WIRELESS BLVD, 2ND FLOOR HAUPPAUGE, NY 11788 | CIGNA HEALTH AND LIFE INSURANCE CO. | — | $8K | $8K | 4.44% |
| LOURO, STEPHEN3 | 225 WIRELESS BLVD. STE 200 HAUPPAUGE, NY 11788 | CIGNA HEALTH AND LIFE INSURANCE CO. | $2K | — | $2K | 1.24% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS | 100 WALNUT AVE STE 504 CLARK, NJ 07006 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $725 | $2K | 6.56% |
| THOMAS SCHONBERG3 | 8 WOODS LANE ST RYE, NY 10580 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $600 | — | $600 | 1.66% |
| STEPHEN LOURO3 | 225 WIRELESS BLVD STE 200 HAUPPAUGE, NY 11788 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $600 | — | $600 | 1.66% |
| THOMAS SCHONBERG3 | 8 WOODS LANE ST. RYE, NY 10580 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $120 | — | $120 | 13.00% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS | 100 WALNUT AVE SUITE 504 CLARK, NJ 07006 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $42 | $24 | $66 | 7.15% |
| STEPHEN LOURO3 | 225 WIRELESS BLVD STE 200 HAPPAUGE, NY 11788 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $28 | — | $28 | 3.03% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| PROFESSIONAL GROUP PLANS INC. BROKER | Insurance agents and brokers Service code 22 | 225 WIRELESS BLVD, SUITE 200 HAUPPAUGE, NY 11788 | $118K |
| THOMAS SCHONBERG BROKER | Insurance agents and brokers Service code 22 | 8 WOODS LANE ST RYE, NY 10580 | $43K |
| CIGNA HEALTH AND LIFE INSURANCE COM EIN 59-1031071 CLAIMS ADMIN | Contract Administrator; Direct payment from the plan; Claims processing; Float revenue; Participant communication; Other services; Non-monetary compensation; Named fiduciary Service code 12 | — | $36K |
| STEPHEN LOURO BROKER | Insurance agents and brokers Service code 22 | 225 WIRELESS BLVD. SUITE 200 HAUPPAUGE, NY 11788 | $11K |
| CIGNA | Float revenue; Participant communication; Other services; Claims processing; Non-monetary compensation; Contract Administrator; Named fiduciary; Direct payment from the plan 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 | 139 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 139 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE CO. | 143 | $177K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE CO. | 143 | $177K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 139 | $36K |
| Other(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 139 | $37K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 143 | — |
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.