| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CCHI RE, LLC3 | 66 FRANKLIN ST. SUITE 300 OAKLAND, CA 94607 | IRONSHORE INDEMNITY, INC. | $0 | $30K | $30K | 5.17% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC. | 225 WIRELESS BLVD 2ND FLOOR HAUPPAUGE, NY 11788 | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | $281 | $895 | $1K | 6.08% |
| WILDWOOD & HOLT OF NY, INC.3 | 37 PASADENA RD. BRONXVILLE, NY 10708 | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | $1K | $0 | $1K | 5.17% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC. | 225 WIRELESS BLVD 2ND FLOOR HAUPPAUGE, NY 11788 | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | $282 | $931 | $1K | 6.37% |
| WILDWOOD & HOLT OF NY, INC.3 | 37 PASADENA RD. BRONXVILLE, NY 10708 | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | $1K | $0 | $1K | 5.34% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC. | 225 WIRELESS BLVD 2ND FLOOR HAUPPAUGE, NY 11788 | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | $156 | $572 | $728 | 6.93% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC. | 225 WIRELESS BLVD 2ND FLOOR HAUPPAUGE, NY 11788 | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | $33 | $122 | $155 | 6.19% |
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 | 145 | 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) | 145 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | IRONSHORE INDEMNITY, INC. | 145 | $582K |
| Life insurance | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | 87 | $11K |
| Short-term disability | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | 29 | $19K |
| Long-term disability | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | 35 | $19K |
| Stop-loss / reinsurancereinsurance | IRONSHORE INDEMNITY, INC. | 145 | $582K |
| Other | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | 87 | $3K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 145 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.