| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GROUP HEALTH SOLUTION INC3 | 437 EAST ALLEN STREET 2ND FLOOR HUDSON, NY 12534 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $177K | $177K | 4.50% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC | 225 WIRELESS BOULEVARD SUITE 200 HAUPPAUGE, NY 11788 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $79K | $79K | 2.00% |
| GROUP HEALTH SOLUTIONS INC3 | 437 EAST ALLEN STREET 2ND FLOOR HUDSON, NY 12534 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $16K | $3K | $19K | 8.54% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BOULEVARD 2ND FLOOR HAUPPAUGE, NY 11788 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $11K | — | $11K | 4.87% |
| GROUP HEALTH SOLUTIONS INC3 | 437 EAST ALLEN STREET FLOOR 2 HUDSON, NY 12534 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $2K | — | $2K | 10.73% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BOULEVARD #308 HAUPPAUGE, NY 11788 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $750 | $750 | 5.00% |
| GROUP HEALTH SOLUTIONS INC3 | 437 EAST ALLEN STREET FLOOR 2 HUDSON, NY 12534 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $896 | — | $896 | 14.99% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BOULEVARD #308 HAUPPAUGE, NY 11788 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $299 | $299 | 5.00% |
| GROUP HEALTH SOLUTIONS INC3 | 437 EAST ALLEN STREET FLOOR 2 HUDSON, NY 12534 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $713 | — | $713 | 13.00% |
| PROFESSINOAL GROUP PLANS INC3 | 225 WIRELESS BOULEVARD #308 HAUPPAUGE, NY 11788 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $274 | $274 | 5.00% |
| GROUP HEALTH SOLUTIONS INC3 | 437 EAST ALLEN STREET FLOOR 2 HUDSON, NY 12534 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $530 | — | $530 | 15.00% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BOULEVARD #308 HAUPPAUGE, NY 11788 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $177 | $177 | 5.01% |
| GROUP HEALTH SOLUTIONS INC3 | 437 EAST ALLEN STREET FLOOR 2 HUDSON, NY 12534 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $236 | — | $236 | 9.99% |
| GROUP HEALTH SOLUTIONS INC3 | 437 EAST ALLEN STREET FLOOR 2 HUDSON, NY 12534 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $337 | — | $337 | 15.02% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BOULEVARD #308 HAUPPAUGE, NY 11788 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $112 | $112 | 4.99% |
| GROUP HEALTH SOLUTIONS INC3 | 437 EAST ALLEN STREET FLOOR 2 HUDSON, NY 12534 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $204 | — | $204 | 9.99% |
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 | 334 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 11 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 347 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 302 | $3.9M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 344 | $224K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 344 | $224K |
| Life insurance(3 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 344 | $235K |
| Short-term disability(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 344 | $239K |
| Long-term disability(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 344 | $226K |
| Other(6 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 344 | $243K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 344 | — |
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.