| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| YOURPFO CONSULTING LLC3 Filed as: YOURPFO CONSULTING, LLC. | 2500 WESTCHESTER AVENUE SUITE 401 PURCHASE, NY 10577 | OXFORD HEALTH INSURANCE, INC. | $71K | — | $71K | 3.93% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC. | 225 WIRELESS BOULEVARD SUITE 200 HAUPPAUGE, NY 11788 | OXFORD HEALTH INSURANCE, INC. | — | $29K | $29K | 1.59% |
| YOURPFO CONSULTING LLC3 | 2500 WESTCHESTER AVENUE SUITE 401 PURCHASE, NY 10577 | UNION SECURITY LIFE INSURANCE COMPANY OF NEW YORK | $9K | — | $9K | 10.89% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BOULEVARD SUITE 200 HAUPPAUGE, NY 11788 | UNION SECURITY LIFE INSURANCE COMPANY OF NEW YORK | — | $4K | $4K | 4.98% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BOULEVARD FLOOR 2 HAUPPAUGE, NY 11788 | MUTUAL OF OMAHA INSURANCE COMPANY | $8K | $3K | $11K | 16.48% |
| LADMAR ASSOCIATES LLC3 | 1983 MARCUS AVENUE NEW HYDE PARK, NY 11042 | MUTUAL OF OMAHA INSURANCE COMPANY | $2K | $305 | $2K | 3.09% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BOULEVARD SECOND FLOOR HAUPPAUGE, NY 11788 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 20.00% |
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 | 275 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 7 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 286 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | OXFORD HEALTH INSURANCE, INC. | 386 | $1.8M |
| Dental | UNION SECURITY LIFE INSURANCE COMPANY OF NEW YORK | 57 | $86K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 253 | $17K |
| Long-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 56 | $68K |
| Other | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 253 | $17K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 386 | — |
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.