| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RONALD L ROSENBERG3 | 1001 READS LANE FAR ROCKAWAY, NY 11691 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $213K | $213K | 7.07% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC | 225 WIRELESS BOULEVARD SUITE 200 HAUPPAUGE, NY 11788 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $64K | $64K | 2.12% |
| ROSENBERG, RONALD3 | 1001 READS LANE FAR ROCKAWAY, NY 11691 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $13K | — | $13K | 6.93% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC | 225 WIRELESS BOULEVARD SUITE 200 HAUPPAUGE, NY 11788 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | — | $9K | $9K | 4.95% |
| BARUVH KLAHR3 | 100 DUTCH HILL ROAD SUITE 220 ORANGEBURG, NY 10962 | THE PAUL REVERE LIFE INSURANCE COMPANY | $9K | $90 | $9K | 11.99% |
| SOTERIA PARTNERS LLC3 | 550 EST 29TH STREET APARTMENT 3A NEW YORK, NY 10001 | THE PAUL REVERE LIFE INSURANCE COMPANY | $2K | $89 | $2K | 3.26% |
| RONALD L ROSENBERG3 | 1001 READS LANE FAR ROCKAWAY, NY 11691 | THE PAUL REVERE LIFE INSURANCE COMPANY | $1K | — | $1K | 1.99% |
| NORMA STEELE3 | 1225 FRANKLIN AVENUE SUITE 250 GARDEN CITY, NY 11530 | THE PAUL REVERE LIFE INSURANCE COMPANY | $180 | — | $180 | 0.25% |
| MICHEL ALEXANDER AUBERTIN3 | 135 WILLOWBROOK ROAD FLOOR 2 STATEN ISLAND, NY 10302 | THE PAUL REVERE LIFE INSURANCE COMPANY | $58 | — | $58 | 0.08% |
| KARIN ANGELIS3 | 2639 NORTH RIVERSIDE DRIVE APARTMENT 1104 POMPANO BEACH, FL 33062 | THE PAUL REVERE LIFE INSURANCE COMPANY | $50 | — | $50 | 0.07% |
| MCO PARTNERS LLC3 | 315 WEST 39TH STREET SUITE 303 NEW YORK, NY 10018 | THE PAUL REVERE LIFE INSURANCE COMPANY | $45 | $3 | $48 | 0.07% |
| EDUARDO TUCTO3 | 16 OCEAN PARKWAY BROOKLIN, NY 11218 | THE PAUL REVERE LIFE INSURANCE COMPANY | $33 | $8 | $41 | 0.06% |
| JASON LOUIS KOSCO3 | 833 PACIFIC COMMONS DRIVE MYRTLE BEACH, SC 29575 | THE PAUL REVERE LIFE INSURANCE COMPANY | $38 | — | $38 | 0.05% |
| YESENIA A SANCHEZ3 | 1021 DELRIDGE AVENUE ORLANDO, FL 32804 | THE PAUL REVERE LIFE INSURANCE COMPANY | $26 | — | $26 | 0.04% |
| LAUREN JACOBS3 | 364 RED MAPLE DRIVE WEST WANTAGH, NY 11793 | THE PAUL REVERE LIFE INSURANCE COMPANY | $13 | — | $13 | 0.02% |
| THOMAS BENEFITS INC3 | 14 CHANDLER STREET SALEM, MA 01970 | THE PAUL REVERE LIFE INSURANCE COMPANY | $11 | — | $11 | 0.02% |
| WALTER THOMAS BONILLA3 | 9 LOGLEAF LANE MEDFORD, NY 11763 | THE PAUL REVERE LIFE INSURANCE COMPANY | $4 | $4 | $8 | 0.01% |
| ROCHELLE DIANE KELLY-PERRY THOMAS3 | 5 NORTH WESLEY COURT HUNTINGTON, NY 11743 | THE PAUL REVERE LIFE INSURANCE COMPANY | $3 | $2 | $5 | 0.01% |
| KEVIN MURPHY3 Filed as: KEVIN BROOKS | 97 ROCKLAND LANE SPRING VALLEY, NY 10977 | THE PAUL REVERE LIFE INSURANCE COMPANY | $3 | — | $3 | 0.00% |
| RONALD L ROSENBERG3 | 1001 READS LANE FAR ROCKAWAY, NY 11691 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | — | $2K | 10.00% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC | 225 WIRELESS BOULEVARD SUITE 200 HAUPPAUGE, NY 11788 | UNITEDHEALTHCARE INSURANCE COMPANY | $767 | — | $767 | 5.00% |
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 | 720 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 12 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 732 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 277 | $3.0M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 245 | $183K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 206 | $15K |
| Life insurance | THE PAUL REVERE LIFE INSURANCE COMPANY | 74 | $73K |
| Other | THE PAUL REVERE LIFE INSURANCE COMPANY | 74 | $73K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 277 | — |
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.
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.