| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF NEW YORK | 2 TRAP FALLS RD., STE. 350 SHELTON, CT 06484 | UNITEDHEALTHCARE INSURANCE COMPANY | $67K | — | $67K | 4.35% |
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: BENEFITMALL NY-CENTERSTONE INS | 50 MAIN ST., STE. 320 WHITE PLAINS, NY 10606 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $12K | $12K | 0.79% |
| HILB GROUP OF NEW ENGLAND3 Filed as: HILB GROUP OF NEW YORK | 1055 RXR PLZ UNIONDALE, NY 11556 | PRINCIPAL LIFE INSURANCE COMPANY | $13K | $14K | $26K | 14.63% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD. HAUPPAUGE, NY 11788 | PRINCIPAL LIFE INSURANCE COMPANY | — | $86 | $86 | 0.05% |
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 | 116 | 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) | 116 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 84 | $1.5M |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 180 | $181K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 180 | $181K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 180 | $181K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 180 | $181K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 180 | $181K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 180 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.