| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PAYCHEX INSURANCE AGENCY, INC.3 | 150 SAWGRASS DRIVE ROCHESTER, NY 14620 | OXFORD HEALTH INSURANCE, INC | $65K | $0 | $65K | 3.18% |
| GALLAGHER BENEFIT SERVICES, INC.3 | ONE JERICHO PLAZA, SUITE 200 JERICHO, NY 11753 | OXFORD HEALTH INSURANCE, INC | $16K | $0 | $16K | 0.80% |
| PAYCHEX INSURANCE AGENCY, INC.3 | 150 SAWGRASS DRIVE ROCHESTER, NY 14620 | THE GUARDIAN LIFE INSURANCE COMPANY | $7K | $4K | $11K | 10.16% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 5TH FLOOR ROLLING MEADOWS, IL 60008 | THE GUARDIAN LIFE INSURANCE COMPANY | $820 | $0 | $820 | 0.75% |
| PROFESSIONSL PENSIONS INC3 Filed as: PROFESSIONSL PENSIONS INC. | 10 RESEARCH PARKWAY WALLINGFORD, CT 06492 | THE GUARDIAN LIFE INSURANCE COMPANY | $450 | $0 | $450 | 0.41% |
| PAYCHEX INSURANCE AGENCY, INC.3 | 150 SAWGRASS DRIVE ROCHESTER, NY 14620 | DENTCARE DELIVERY SYSTEMS | $7K | $0 | $7K | 8.14% |
| PROFESSIONSL GROUP PLANS3 | 225 WIRELESS BOULEVARD, 2ND FLOOR HAUPPAUGE, NY 11788 | DENTCARE DELIVERY SYSTEMS | $2K | $0 | $2K | 2.44% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 4TH FLOOR ROLLING MEADOWS, IL 60008 | DENTCARE DELIVERY SYSTEMS | $727 | $0 | $727 | 0.85% |
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 | 214 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 214 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | OXFORD HEALTH INSURANCE, INC | 307 | $2.0M |
| Dental | DENTCARE DELIVERY SYSTEMS | 174 | $85K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY | 214 | $109K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY | 214 | $109K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY | 214 | $109K |
| Prescription drug | OXFORD HEALTH INSURANCE, INC | 307 | $2.0M |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY | 214 | $109K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 307 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.