| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STEPHEN MICHAEL LOURO3 | 225 WIRELESS BOULEVARD FLOOR 2 HAUPPAUGE, NY 117883914 | UNITEDHEALTHCARE INSURANCE COMPANY | $54K | — | $54K | 1.94% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC - LYNDHURST NJ | 29840 NETWORK PLACE CHICAGO, IL 606731298 | UNITEDHEALTHCARE INSURANCE COMPANY | $34K | — | $34K | 1.22% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS INC. | 225 WIRELESS BOULEVARD FLOOR 2 HAUPPAUGE, NY 117883914 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $14K | $14K | 0.50% |
| GILBERT CARRARA INSURANCE AGENCY3 Filed as: GILBERT CARRARA INSURANCE | 466 SOUTHERN BOULEVARD WASHINGTON BUILDING, 2ND FLOOR CHATHAM, NJ 07928 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $9K | $981 | $9K | 5.06% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS INC. | 225 WIRELESS BOULEVARD 2ND FLOOR HAUPPAUGE, NY 117883914 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | — | $7K | $7K | 3.79% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS INC. | 225 WIRELESS BOULEVARD SUITE 200 HAUPPAUGE, NY 117883914 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $2K | $5K | 7.75% |
| ERIC CARRARA3 | 466 SOUTHERN BOULEVARD WASHINGTON BUILDING, 2ND FLOOR CHATHAM, NJ 07928 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 6.44% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $766 | — | $766 | 1.29% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS INC. | 225 WIRELESS BOULEVARD SUITE 200 HAUPPAUGE, NY 117883914 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $1K | $3K | 8.23% |
| ERIC CARRARA3 | 466 SOUTHERN BOULEVARD WASHINGTON BUILDING, 2ND FLOOR CHATHAM, NJ 07928 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 6.35% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $436 | — | $436 | 1.05% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS INC. | 225 WIRELESS BOULEVARD SUITE 200 HAUPPAUGE, NY 117883914 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $744 | $437 | $1K | 7.94% |
| ERIC CARRARA3 | 466 SOUTHERN BOULEVARD WASHINGTON BUILDING, 2ND FLOOR CHATHAM, NJ 07928 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $933 | — | $933 | 6.27% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $555 | — | $555 | 3.73% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS INC. | 225 WIRELESS BOULEVARD SUITE 200 HAUPPAUGE, NY 117883914 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $352 | $203 | $555 | 7.89% |
| ERIC CARRARA3 | 466 SOUTHERN BOULEVARD WASHINGTON BUILDING, 2ND FLOOR CHATHAM, NJ 07928 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $523 | — | $523 | 7.43% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $321 | — | $321 | 4.56% |
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 | 217 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 218 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 297 | $2.8M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 203 | $187K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 203 | $187K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 217 | $42K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 217 | $15K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 217 | $59K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 217 | $7K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 297 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.