| 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 | 5.00% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC. | 225 WIRELESS BLVD 2ND FLOOR HAUPPAUGE, NY 11788 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $20K | $6K | $26K | 14.37% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC. | 225 WIRELESS BLVD STE 200 HAUPPAUGE, NY 117883914 | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | $935 | $712 | $2K | 8.52% |
| WILDWOOD & HOLT OF NY, INC.3 | 37 PASADENA RD. BRONXVILLE, NY 10708 | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | $967 | $0 | $967 | 5.00% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC. | 225 WIRELESS BLVD STE 200 HAUPPAUGE, NY 117883914 | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | $939 | $661 | $2K | 8.29% |
| WILDWOOD & HOLT OF NY, INC.3 | 37 PASADENA RD. BRONXVILLE, NY 10708 | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | $964 | $0 | $964 | 5.00% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC. | 225 WIRELESS BLVD STE 200 HAUPPAUGE, NY 117883914 | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | $525 | $419 | $944 | 8.98% |
| WILDWOOD & HOLT OF NY, INC.3 | 37 PASADENA RD. BRONXVILLE, NY 10708 | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | $277 | $0 | $277 | 2.64% |
| VANTAGE, ETC.3 | 191 LAVENDER LN RYE BROOK, NY 10573 | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | $275 | $0 | $275 | 2.62% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC. | 225 WIRELESS BLVD STE 200 HAUPPAUGE, NY 117883914 | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | $100 | $100 | $200 | 7.98% |
| VANTAGE, ETC.3 | 191 LAVENDER LN RYE BROOK, NY 10573 | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | $187 | $0 | $187 | 7.46% |
| WILDWOOD & HOLT OF NY, INC.3 | 37 PASADENA RD. BRONXVILLE, NY 10708 | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | $179 | $0 | $179 | 7.14% |
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 | 180 | 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) | 180 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | IRONSHORE INDEMNITY, INC. | 175 | $599K |
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 180 | $178K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 180 | $178K |
| Life insurance(2 contracts, 2 carriers) | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 180 | $188K |
| Short-term disability | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | 31 | $19K |
| Long-term disability | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | 32 | $19K |
| Stop-loss / reinsurancereinsurance | IRONSHORE INDEMNITY, INC. | 175 | $599K |
| Other | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | 92 | $3K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 180 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.