| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BOULEVARD 2ND FLOOR HAUPPAUGE, NY 11788 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $85K | $14K | $99K | 17.48% |
| CHRISTOPHER EFTHYMIOU3 | 18015 MEADOW BOTTOM ROAD CHARLOTTE, NC 28277 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $813 | — | $813 | 14.50% |
| CHRISTOPHER EFTHYMIOU3 | 18015 MEADOW BOTTOM ROAD CHARLOTTE, NC 28277 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $480 | — | $480 | 13.78% |
| CHRISTOPHER EFTHYMIOU3 | 18015 MEADOW BOTTOM ROAD CHARLOTTE, NC 28277 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $243 | — | $243 | 13.62% |
| CHRISTOPHER EFTHYMIOU3 | 18015 MEADOW BOTTOM ROAD CHARLOTTE, NC 28277 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $172 | — | $172 | 14.97% |
| CHRISTOPHER EFTHYMIOU3 | 18015 MEADOW BOTTOM ROAD CHARLOTTE, NC 28277 | UNUM LIFE INSURANCE COMPANY OF AMERICA | -$60 | — | -$60 | -5.76% |
| EFTHYMIOU, CHRISTOPHER3 | 18015 MEADOW BOTTOM ROAD CHARLOTTE, NC 28277 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $77 | — | $77 | 15.04% |
| CHRISTOPHER EFTHYMIOU3 | 18015 MEADOW BOTTOM ROAD CHARLOTTE, NC 28277 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $68 | — | $68 | 14.50% |
| CHRISTOPHER EFTHYMIOU3 | 18015 MEADOW BOTTOM ROAD CHARLOTTE, NC 28277 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $118 | — | $118 | 43.87% |
| CHRISTOPHER EFTHYMIOU3 | 18015 MEADOW BOTTOM ROAD CHARLOTTE, NC 28277 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $154 | — | $154 | — |
| CHRISTOPHER EFTHYMIOU3 | 18015 MEADOW BOTTOM ROAD CHARLOTTE, NC 28277 | UNUM LIFE INSURANCE COMPANY OF AMERICA | -$2K | — | -$2K | — |
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 | 1,326 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 5 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,336 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,326 | $566K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,326 | $566K |
| Long-term disability(10 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 8 | $14K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,326 | $566K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,326 | — |
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.