| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NY INC | 1133 WESTCHESTER AVENUE SUITE N-136 HARRISON, NY 10604 | AETNA LIFE INSURANCE COMPANY | $175K | — | $175K | 3.63% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS INC. | 225 WIRELESS BLVD SUITE 200 HAUPPAUGE, NY 11788 | AETNA LIFE INSURANCE COMPANY | $72K | — | $72K | 1.49% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK INC | 1133 WESTCHESTER AVE STE N-136 WHITE PLAINS, NY 10604 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $19K | — | $19K | 10.00% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC. | 225 WIRELESS BLVD STE 200 HAUPPAUGE, NY 11788 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $10K | — | $10K | 5.00% |
| YOURPFO CONSULTING LLC3 | 800 WESTCHESTER AVENUE SUITE N311 RYE BROOK, NY 105731364 | MUTUAL OF OMAHA INSURANCE COMPANY | $16K | — | $16K | 11.18% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BOULEVARD FLOOR 2 HAUPPAUGE, NY 11788 | MUTUAL OF OMAHA INSURANCE COMPANY | — | $7K | $7K | 5.00% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NY INC | 1133 WESTCHESTER AVE STE N-136 WHITE PLAINS, NY 10604 | MUTUAL OF OMAHA INSURANCE COMPANY | $5K | — | $5K | 3.82% |
| HELEN DIZ-HATTON3 | 4 PALMER LANE ENGLISHTOWN, NJ 07726 | THE PAUL REVERE LIFE INSURANCE COMPANY | $8K | $7K | $14K | 62.17% |
| MAGDA ISABEL WISDOM3 | 2453 WILLOW PARK RD BETHLEHEM, PA 18020 | THE PAUL REVERE LIFE INSURANCE COMPANY | $787 | $41 | $828 | 3.60% |
| YOURPFO CONSULTING LLC3 | 1133 WESTCHESTER AVE STE N-136 WHITE PLAINS, NY 10604 | THE PAUL REVERE LIFE INSURANCE COMPANY | $395 | — | $395 | 1.72% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NY INC | 1133 WESTCHESTER AVENUE SUITE N-136 WHITE PLAINS, NY 10604 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 15.00% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS INC. | 225 WIRELESS BLVD SUITE 200 HAUPPAUGE, NY 11788 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $723 | — | $723 | 5.00% |
| GA SOLUTIONS LLC3 | 50 BROADWAY 2ND FLOOR HAWTHORNE, NY 10532 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $147 | $147 | 1.02% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NEW YORK INC | 1133 WESTCHESTER AVE STE N-136 WHITE PLAINS, NY 10604 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $111 | — | $111 | 9.98% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC. | 225 WIRELESS BLVD STE 200 HAUPPAUGE, NY 11788 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $56 | — | $56 | 5.04% |
| BROWN AND BROWN OF FLORIDA, INC.3 Filed as: BROWN & BROWN OF NY INC | 1133 WESTCHESTER AVENUE SUITE N-136 WHITE PLAINS, NY 10604 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | — |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS INC. | 225 WIRELESS BLVD SUITE 200 HAUPPAUGE, NY 11788 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | — |
| GA SOLUTIONS LLC3 | 50 BROADWAY 2ND FLOOR HAWTHORNE, NY 10532 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $492 | $492 | — |
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 | 691 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 698 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 805 | $4.8M |
| Dental | AETNA LIFE INSURANCE COMPANY | 805 | $4.8M |
| Vision | AETNA LIFE INSURANCE COMPANY | 805 | $4.8M |
| Life insurance | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 488 | $0 |
| Long-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 98 | $141K |
| Other(4 contracts, 2 carriers) | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 488 | $229K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 805 | — |
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.