| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BOULEVARD, 2ND FLOOR HAUPPAUGE, NY 11788 | HORIZON HEALTHCARE SERVICES, INC. | $0 | $16K | $16K | 0.97% |
| GALLAGHER BENEFIT SERVICES, INC.3 | ONE COMMERCE SQUARE, SUITE 820 2005 MARKET STREET PHILADELPHIA, PA 19103 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $923 | $923 | 0.73% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $23 | $23 | 0.02% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | PO BOX 95287 CHICAGO, IL 60694 | VISION SERVICE PLAN | $562 | — | $562 | 5.17% |
| STERLING AND STERLING, INC.3 Filed as: STERLING & STERLING, INC. | PO BOX 9017 WOODBURY, NY 11797 | VISION SERVICE PLAN | $367 | — | $367 | 3.38% |
| STERLING AND STERLING, INC.3 Filed as: STERLING & STERLING INC | 135 CROSSWAYS PARK DRIVE, SUITE 300 WOODBURY, NY 11797 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $76 | $0 | $76 | 1.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SVCS INC | 300 MADISON AVENUE, 28TH FLOOR NEW YORK, NY 10017 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $19 | $0 | $19 | 15.32% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2850 GOLF ROAD, 11TH FLOOR ROLLING MEADOWS, IL 60008 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $1 | $1 | 0.81% |
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 | 130 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 130 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HORIZON HEALTHCARE SERVICES, INC. | 93 | $1.6M |
| Dental(2 contracts, 2 carriers) | HORIZON HEALTHCARE SERVICES, INC. | 93 | $1.6M |
| Vision | VISION SERVICE PLAN | 85 | $11K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 122 | $126K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 122 | $126K |
| Prescription drug | HORIZON HEALTHCARE SERVICES, INC. | 93 | $1.6M |
| Other(3 contracts, 3 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 122 | $134K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 122 | — |
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.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
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.