| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC | 225 WIRELESS BLVD 2ND FL HAUPPAUGE, NY 11788 | UNITEDHEALTHCARE INSURANCE COMPANY | $5K | $5K | $9K | 10.76% |
| JASON PASTRANO3 | 30 BROAD ST 35TH FL NEW YORK, NY 10004 | UNITEDHEALTHCARE INSURANCE COMPANY | $6K | — | $6K | 6.92% |
| JASON PASTRANO3 | 30 BROAD ST 35TH FL NEW YORK, NY 10004 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | — | $1K | 8.37% |
| MCO PARTNERS LLC3 | 315 W 39TH ST STE 303 NEW YORK, NY 10018 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $524 | $223 | $747 | 5.46% |
| VARIOUS - SEE ATTACHED3 Filed as: VARIOUS COLONIAL AGENTS | — | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $555 | $74 | $629 | 4.60% |
| WILLIAM LEROY VINCENT3 | 2501 CHAMBREY LANE MANSFIELD, TX 76063 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $356 | $98 | $454 | 3.32% |
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 | 256 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 256 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 256 | $86K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 256 | $86K |
| Life insurance | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 134 | $14K |
| Short-term disability | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 134 | $14K |
| Other | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 134 | $14K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 256 | — |
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.