| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GROUP HEALTH SOLUTION INC3 | 437 EAST ALLEN ST 2ND FLOOR HUDSON, NY 12534 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $3K | $38K | $42K | 1.35% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC | 225 WIRELESS BLVD STE 200 HAUPPAUGE, NY 117880000 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | — | $29K | $29K | 0.94% |
| CORPORATE SYNERGIES GROUP LLC3 | 2 AQUARIUM DRIVE SUITE 200 CAMDEN, NJ 08103 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $6K | $20K | $25K | 0.82% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INS SVCS | 437 EAST ALLEN ST 2ND FLOOR HUDSON, NY 12534 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $881 | $10K | $11K | 0.34% |
| CORPORATE SYNERGIES GROUP LLC3 | THE FERRY TERMINAL BUILDING 2 AQUARIUM DR STE 200 CAMDEN, NJ 08103 | MUTUAL OF OMAHA INSURANCE COMPANY | $5K | — | $5K | 5.24% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD FL 2 HAUPPAUGE, NY 11788 | MUTUAL OF OMAHA INSURANCE COMPANY | — | $5K | $5K | 5.00% |
| GROUP HEALTH SOLUTIONS INC3 | 437 E ALLEN ST FL 2 HUDSON, NY 12534 | MUTUAL OF OMAHA INSURANCE COMPANY | $3K | — | $3K | 3.15% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INSURANCE SVCS LLC | DBA GROUP HEALTH SOLUTIONS 437 E ALLEN ST FL 2 HUDSON, NY 12534 | MUTUAL OF OMAHA INSURANCE COMPANY | $687 | — | $687 | 0.75% |
| CORPORATE SYNERGIES GROUP LLC3 | THE FERRY TERMINAL BUILDING 2 AQUARIUM DR STE 200 CAMDEN, NJ 08103 | COMPANION LIFE INSURANCE COMPANY | $3K | — | $3K | 8.11% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD FL 2 HAUPPAUGE, NY 11788 | COMPANION LIFE INSURANCE COMPANY | — | $2K | $2K | 5.00% |
| GROUP HEALTH SOLUTIONS INC3 | 437 E ALLEN ST FL 2 HUDSON, NY 12534 | COMPANION LIFE INSURANCE COMPANY | $2K | — | $2K | 4.59% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INSURANCE SVCS LLC | DBA GROUP HEALTH SOLUTIONS 437 E ALLEN ST FL 2 HUDSON, NY 12534 | COMPANION LIFE INSURANCE COMPANY | $433 | — | $433 | 1.15% |
| CORPORATE SYNERGIES GROUP LLC3 | THE FERRY TERMINAL BUILDING 2 AQUARIUM DR STE 200 CAMDEN, NJ 08103 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | — | $2K | 5.22% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD FL 2 HAUPPAUGE, NY 11788 | UNITED OF OMAHA LIFE INSURANCE COMPANY | — | $2K | $2K | 5.00% |
| GROUP HEALTH SOLUTIONS INC3 | 437 E ALLEN ST FL 2 HUDSON, NY 12534 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | — | $1K | 3.35% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INSURANCE SVCS LLC | DBA GROUP HEALTH SOLUTIONS 437 E ALLEN ST FL 2 HUDSON, NY 12534 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $245 | — | $245 | 0.70% |
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 | 141 | 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) | 141 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 119 | $3.1M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 119 | $3.1M |
| Vision | MUTUAL OF OMAHA INSURANCE COMPANY | 141 | $91K |
| Life insurance(2 contracts, 2 carriers) | MUTUAL OF OMAHA INSURANCE COMPANY | 141 | $129K |
| Short-term disability(2 contracts, 2 carriers) | MUTUAL OF OMAHA INSURANCE COMPANY | 141 | $126K |
| Long-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 141 | $91K |
| Other | MUTUAL OF OMAHA INSURANCE COMPANY | 141 | $91K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 141 | — |
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.
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.