| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| TROY NICHOLAS KUVEIKIS3 | 1 DUG RD NEW PALTZ, NY 125612908 | UNITEDHEALTHCARE INSURANCE COMPANY | $26K | — | $26K | 4.00% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC | 225 WIRELESS BLVD STE 200 HAUPPAUGE, NY 117883914 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $9K | $9K | 1.29% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS,INC | 225 WIRELESS BLVD STE 200 HAUPPAUGE, NY 11788 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | $1K | $3K | 9.66% |
| FBA OF SYOSSET LLC3 | 100 QUENTIN ROOSEVELT BLVD GARDEN CITY, NY 115304874 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | — | $2K | 8.70% |
| ZAINUDDEAN JEEWANJEE3 Filed as: ZAINUDDEAN AKBAR JEEWANJEE | 333 ASCENTE CMNS SAN JOSE, CA 951256612 | UNITEDHEALTHCARE INSURANCE COMPANY | $46 | — | $46 | 0.16% |
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 | 247 | 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) | 247 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 61 | $657K |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 76 | $28K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 76 | $28K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 76 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.