| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BOULEVARD STE 200 HAUPPAUGE, NY 11788 | OXFORD HEALTH INSURANCE INC | — | $196K | $196K | 15.15% |
| HOWARD GOLDSTEIN3 | 80 CARLETON AVE EAST ISLIP, NY 11730 | OXFORD HEALTH INSURANCE INC | $40K | — | $40K | 3.09% |
| GALLAGHER BENEFIT SERVICES, INC.7 Filed as: GALLAGHER BENEFIT SERVICES INC | P O BOX 3009 ARLINGTON HEIGHTS, IL 60006 | CIGNA HEALTH & LIFE INSURANCE CO. | $18K | — | $18K | 8.93% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 250 PARK AVENUE 3RD FLOOR NEW YORK, NY 10177 | AETNA LIFE INSURANCE COMPANY | $2K | — | $2K | 4.47% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | P O BOX 3009 ARLINGTON HEIGHTS, IL 60006 | CIGNA HEALTH & LIFE INSURANCE CO. | $2K | — | $2K | 5.46% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2 GANNETT DRIVE, SUITE 300 WHITE PLAINS, NY 10604 | FIRST RELIANCE STANDARD | $2K | $549 | $2K | 12.21% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES INC | 2 GANNETT DRIVE, SUITE 300 WHITE PLAINS, NY 10604 | FIRST RELIANCE STANDARD | $1K | $229 | $1K | 11.93% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HEALTHY BUSINESS GROUP LLC SERVICE AGENT | Insurance services Service code 23 | 33 IRVING PLACE NEW YORK, NY 10003 | $21K |
| PROFESSIONAL GROUP PLANS INC SERVICE AGENT | Insurance services Service code 23 | 225 WIRELESS BLVD STE 200 HAUPPAUGE, NY 11788 | $13K |
| CIGNA HEALTH & LIFE INSURANCE CO EIN 59-1031071 ADMINISTRATOR | Participant communication; Plan Administrator; Float revenue; Claims processing; Non-monetary compensation; Other services; Contract Administrator; Direct payment from the plan Service code 12 | — | $11K |
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 | 212 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 212 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | OXFORD HEALTH INSURANCE INC | 243 | $1.5M |
| Dental(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 230 | $97K |
| Vision(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 230 | $97K |
| Life insurance | FIRST RELIANCE STANDARD | 67 | $20K |
| Long-term disability | FIRST RELIANCE STANDARD | 27 | $12K |
| Other | FIRST RELIANCE STANDARD | 67 | $20K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 243 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.