| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PILOT BENEFITS GROUP LLC3 Filed as: PILOT BENEFITS GROUP, LLC | 35 PINELAWN ROAD, SUITE 105E MELVILLE, NY 11747 | UNITEDHEALTHCARE INSURANCE COMPANY | $12K | $0 | $12K | 0.84% |
| PILOT BENEFITS GROUP LLC3 Filed as: PILOT BENEFITS GROUP, LLC | 35 PINELAWN ROAD, SUITE 105E MELVILLE, NY 11747 | MUTUAL OF OMAHA INSURANCE COMPANY | $14K | $0 | $14K | 6.65% |
| ABD INS. AND FINANCIAL SVCS., INC.3 | 777 MARINERS ISLAND BOULEVARD SUITE 250 SAN MATEO, CA 94404 | MUTUAL OF OMAHA INSURANCE COMPANY | $876 | $0 | $876 | 0.42% |
| PILOT BENEFITS GROUP LLC3 Filed as: PILOT BENEFITS GROUP, LLC | 6 BIRCHFIELD COURT CORAM, NY 11727 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $0 | $4K | 9.86% |
| ABD INS. AND FINANCIAL SVCS., INC.3 | 777 MARINERS ISLAND BOULEVARD SUITE 250 SAN MATEO, CA 94404 | METROPOLITAN LIFE INSURANCE COMPANY | $446 | $2 | $448 | 1.12% |
| HEFFERNAN INSURANCE BROKERS3 | 1350 CARLBACK AVENUE WALNUT CREEK, CA 94596 | METROPOLITAN LIFE INSURANCE COMPANY | -$2 | $0 | -$2 | -0.00% |
| PILOT BENEFITS GROUP LLC3 Filed as: PILOT BENEFITS GROUP, LLC | 35 PINELAWN ROAD, SUITE 105E MELVILLE, NY 11747 | COMPANION LIFE INSURANCE COMPANY | $2K | $0 | $2K | 9.07% |
| ABD INS. AND FINANCIAL SVCS., INC.3 | 777 MARINERS ISLAND BOULEVARD SUITE 250 SAN MATEO, CA 94404 | COMPANION LIFE INSURANCE COMPANY | $236 | $0 | $236 | 0.93% |
| PILOT BENEFITS GROUP LLC3 Filed as: PILOT BENEFITS GROUP, LLC | 35 PINELAWN ROAD, SUITE 105E MELVILLE, NY 11747 | METROPOLITAN GENERAL INSURANCE COMPANY | $2K | $0 | $2K | 8.86% |
| ABD INS. AND FINANCIAL SVCS., INC.3 | 777 MARINERS ISLAND BOULEVARD SUITE 250 SAN MATEO, CA 94404 | METROPOLITAN GENERAL INSURANCE COMPANY | $223 | $0 | $223 | 1.14% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 300 MADISON AVENUE, 28TH FLOOR NEW YORK, NY 10177 | FEDERAL INSURANCE COMPANY | $2K | $51 | $2K | 25.55% |
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 | 215 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 28 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 243 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 3,682 | $1.4M |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 3,682 | $1.4M |
| Life insurance(2 contracts, 2 carriers) | MUTUAL OF OMAHA INSURANCE COMPANY | 211 | $235K |
| Short-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 211 | $210K |
| Long-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 211 | $210K |
| Other(5 contracts, 5 carriers) | MUTUAL OF OMAHA INSURANCE COMPANY | 215 | $304K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 3,682 | — |
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."
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.