| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HEYCOACH3 | 20 BRIXTON ROAD OLD BETHPAGE, NY 11804 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $6K | — | $6K | 7.75% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC | 225 WIRELESS BOULEVARD 2ND FLOOR HAUPPAUGE, NY 11788 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | — | $2K | $2K | 3.30% |
| HEYCOACH3 Filed as: HEYCOACH LLC | 20 BRIXTON ROAD OLD BETHPAGE, NY 11804 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $3K | — | $3K | 7.63% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC | 225 WIRELESS BOULEVARD SUITE 200 HAUPPAUGE, NY 11788 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | — | $2K | $2K | 5.00% |
| HEYCOACH3 Filed as: HEYCOACH LLC | 20 BRIXTON ROAD OLD BETHPAGE, NY 11804 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $3K | — | $3K | 14.05% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BOULEVARD SUITE 200 HAUPPAUGE, NY 11788 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | — | $926 | $926 | 5.00% |
| HEYCOACH3 | 20 BRIXTON ROAD OLD BETHPAGE, NY 11804 | CIGNA DENTAL HEALTH OF NEW JERSEY, INC. | $363 | — | $363 | 10.00% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC | 225 WIRELESS BOULEVARD SECOND FLOOR HAUPPAUGE, NY 11788 | CIGNA DENTAL HEALTH OF NEW JERSEY, INC. | — | $145 | $145 | 3.99% |
| HEYCOACH3 Filed as: HEYCOACH LLC | 20 BRIXTON ROAD OLD BETHPAGE, NY 11804 | CIGNA LIFE INSURNACE COMPANY OF NEW YORK | $245 | — | $245 | 12.01% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC. | 225 WIRELESS BOULEVARD SUITE 200 HAUPPAUGE, NY 11788 | CIGNA LIFE INSURNACE COMPANY OF NEW YORK | — | $102 | $102 | 5.00% |
| HEYCOACH3 | 20 BRIXTON ROAD OLD BETHPAGE, NY 11804 | CIGNA DENTAL HEALTH OF TEXAS, INC. | $175 | — | $175 | 10.01% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC | 225 WIRELESS BOULEVARD SECOND FLOOR HAUPPAUGE, NY 11788 | CIGNA DENTAL HEALTH OF TEXAS, INC. | — | $70 | $70 | 4.00% |
| HEYCOACH3 | 20 BRIXTON ROAD OLD BETHPAGE, NY 11804 | CIGNA DENTAL HEALTH OF PENNSYLVANIA, INC. | $161 | — | $161 | 9.98% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC | 225 WIRELESS BOULEVARD SECOND FLOOR HAUPPAUGE, NY 11788 | CIGNA DENTAL HEALTH OF PENNSYLVANIA, INC. | — | $65 | $65 | 4.03% |
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 | 113 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 2 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 116 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(4 contracts, 4 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 76 | $79K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 76 | $72K |
| Life insurance | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | 112 | $38K |
| Long-term disability | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | 112 | $19K |
| Other(2 contracts, 2 carriers) | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | 112 | $40K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 112 | — |
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.