| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GROUP HEALTH SOLUTIONS INC3 Filed as: GROUP HEALTH SOLUTIONS INC/NEW YORK | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $150K | — | $150K | 12.82% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC/ HAUP | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | — | $54K | $54K | 4.64% |
| GROUP HEALTH SOLUTIONS INC3 Filed as: GROUP HEALTH SOLUTIONS IN | 148 MADISON AVENUE 15TH FLOOR NEW YORK, NY 10016 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $17K | — | $17K | 9.95% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS | 225 WIRELESS BOULEVARD SUITE 200 HAUPPAUGE, NY 11788 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $8K | $8K | 4.90% |
| GROUP HEALTH SOLUTIONS INC3 Filed as: GROUP HEALTH SOLUTIONS IN | 148 MADISON AVENUE 15TH FLOOR NEW YORK, NY 10016 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $12K | — | $12K | 10.00% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS | 225 WIRELESS BOULEVARD SUITE 200 HAUPPAUGE, NY 11788 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $6K | $6K | 4.97% |
| GROUP HEALTH SOLUTIONS INC3 Filed as: GROUP HEALTH SOLUTIONS IN | 148 MADISON AVENUE 15TH FLOOR NEW YORK, NY 10016 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | — | $6K | 10.00% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS | 225 WIRELESS BOULEVARD SUITE 200 HAUPPAUGE, NY 11788 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $3K | $3K | 4.90% |
| GROUP HEALTH SOLUTIONS INC3 Filed as: GROUP HEALTH SOLUTIONS IN | 148 MADISON AVENUE 15TH FLOOR NEW YORK, NY 10016 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 11.13% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS | 225 WIRELESS BOULEVARD SUITE 200 HAUPPAUGE, NY 11788 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $604 | $604 | 4.99% |
| GROUP HEALTH SOLUTIONS INC3 Filed as: GROUP HEALTH SOLUTIONS IN | 148 MADISON AVENUE 15TH FLOOR NEW YORK, NY 10016 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $508 | — | $508 | 15.02% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS | 225 WIRELESS BOULEVARD SUITE 200 HAUPPAUGE, NY 11788 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $166 | $166 | 4.91% |
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 | 978 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 20 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 998 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,048 | $1.2M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,048 | $1.2M |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,048 | $1.2M |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 978 | $12K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 449 | $60K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 396 | $119K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,048 | $1.2M |
| Other(3 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,048 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,048 | — |
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.