| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| NY-GJK INSURANCE AGENCY3 Filed as: NY - GJK INSURANCE AGENCY | 100 WOOD AVE S ISELIN, NJ 088302727 | UNITED HEALTHCARE INSURANCE COMPANY | $89K | $0 | $89K | 4.25% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC | 225 WIRELESS BLVD STE 200 HAUPPAUGE, NY 117883914 | UNITED HEALTHCARE INSURANCE COMPANY | $0 | $22K | $22K | 1.07% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC NJ NY | 1787 SENTRY PKWY W VEVA 16 STE 320 BLUE BELL, PA 19422 | UNITED HEALTHCARE INSURANCE COMPANY | $0 | -$42 | -$42 | -0.00% |
| WORLD INSURANCE ASSOCIATES LLC3 Filed as: WORLD INSURANCE ASSOCIATES LLC, | 656 SHREWSBURY AVE STE 200, TINTON FALLS, NJ 07701 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $4K | $0 | $4K | 4.97% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC | 225 WIRELESS BLVD STE 200 HAUPPAUGE, NY 11788 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $4K | $4K | 4.96% |
| WORLD INS ASSOC LLC3 | 2001 GROVE STREET WANTAGH, NY 11793 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $0 | $3K | 12.70% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD STE 200 HAUPPAUGE, NY 11788 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $0 | $1K | 5.00% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PKWY W.VEVA 16 BLUE BELL, PA 19422 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $0 | $0 | 0.00% |
| WORLD INSURANCE ASSOCIATES LLC3 | 100 WOOD AVENUES S, 4TH FL ISELIN, NJ 08830 | VISION SERVICE PLAN | $725 | $0 | $725 | 7.63% |
| WORLD INS ASSOC LLC3 | 2001 GROVE STREET WANTAGH, NY 11793 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $670 | $0 | $670 | 11.01% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD STE 200 HAUPPAUGE, NY 11788 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $304 | $0 | $304 | 4.99% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PKWY W.VEVA 16 BLUE BELL, PA 19422 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $0 | $0 | 0.00% |
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 | 142 | 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) | 142 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 246 | $2.1M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 134 | $81K |
| Vision | VISION SERVICE PLAN | 123 | $9K |
| Life insurance | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 136 | $6K |
| Long-term disability | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 122 | $27K |
| Other | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 136 | $6K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 246 | — |
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.