| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 | 4 OVERLOOK PT LINCOLNSHIRE, IL 600694337 | UNITEDHEALTHCARE INSURANCE COMPANY | $112K | — | $112K | 2.01% |
| PAYPRO VENTURES LLC3 | 210 MARCUS BOULEVARD HAUPPAUGE, NY 117883701 | UNITEDHEALTHCARE INSURANCE COMPANY | $107K | — | $107K | 1.92% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC. | 255 WIRELESS BOULEVARD SUITE 200 HAUPPAUGE, NY 11788 | UNITEDHEALTHCARE INSURANCE COMPANY | $32K | — | $32K | 0.57% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS INC. | 225 WIRELESS BOULEVARD SUITE 200 HAUPPAUGE, NY 117883914 | PRINCIPAL LIFE INSURANCE COMPANY | — | $33K | $33K | 5.67% |
| AON CONSULTING INC3 Filed as: AON INSURANCE | PO BOX 803507 DALLAS, TX 753803507 | PRINCIPAL LIFE INSURANCE COMPANY | $18K | — | $18K | 3.10% |
| PAYPRO VENTURES LLC3 | 210 MARCUS BLVD HAUPPAUGE, NY 117883701 | PRINCIPAL LIFE INSURANCE COMPANY | $17K | — | $17K | 2.95% |
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 | 715 | 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) | 715 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 679 | $5.5M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 997 | $575K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 997 | $575K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 997 | $575K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 997 | $575K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 997 | $575K |
| Other | PRINCIPAL LIFE INSURANCE COMPANY | 997 | $575K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 997 | — |
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."
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.