| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PROFESSIONAL GROUP MARKETING INC3 Filed as: PROFESSIONAL GROUP MARKETING | JEROME TEPPER PRESIDENT 50 BROADWAY HAWTHRONE, NY 10532 | EMBLEMHEALTH | $34K | — | $34K | 2.81% |
| PROFESSIONAL GROUP MARKET3 | 50 BROADWAY 2ND FLOOR HAWTHORNE, NY 10583 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $2K | — | $2K | 7.24% |
| PROFESSIONAL GROUP MARKET3 | 50 BROADWAY 2ND FLOOR HAWTHORNE, NY 10583 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $3K | — | $3K | 12.96% |
| GA SOLUTIONS LLC3 | 370 LEXINGTON AVENUE SUITE 703 NEW YORK, NY 10017 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 14.33% |
| GA SOLUTIONS LLC3 | 370 LEXINGTON AVENUE SUITE 703 NEW YORK, NY 10017 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | $480 | $480 | 3.40% |
| KIMANI MATTHEW3 | 132 EAST 4TH STREET MT VERNON, NY 10550 | THE PAUL REVERE LIFE INSURANCE COMPANY | $541 | $262 | $803 | 7.09% |
| GREAT BENEFITS INC3 | 125 EAST DRIVE NORTH MASSAPEQUA, NY 11758 | THE PAUL REVERE LIFE INSURANCE COMPANY | $355 | — | $355 | 3.13% |
| PROFESSIONAL GROUP MARKETING INC3 | ATTN JEROME TEPPER HAWTHORN, NY 10532 | THE PAUL REVERE LIFE INSURANCE COMPANY | $91 | — | $91 | 0.80% |
| RYAN GARVIN3 | 50 MAIN STREET WHITE PLAINS, NY 10606 | THE PAUL REVERE LIFE INSURANCE COMPANY | $80 | $9 | $89 | 0.79% |
| MICHELLE DARTEE3 | 12 MOONSHADOW COURT KINNELON, NJ 07405 | THE PAUL REVERE LIFE INSURANCE COMPANY | $51 | — | $51 | 0.45% |
| HOWARD HOROWITZ3 Filed as: HOWARD P DILEMA | 100 JAY STREET APARTMENT 14 J BROOKLYN, NY 11201 | THE PAUL REVERE LIFE INSURANCE COMPANY | $29 | — | $29 | 0.26% |
| HELEN DIZ-HATTON3 | 4 PALMER LANE ENGLISHTOWN, NJ 07726 | THE PAUL REVERE LIFE INSURANCE COMPANY | $15 | — | $15 | 0.13% |
| MARK EDWARD HATHAWAY3 | 317 EAST ORCHID LANE PHOENIX, AZ 85020 | THE PAUL REVERE LIFE INSURANCE COMPANY | $15 | — | $15 | 0.13% |
| CHRISTOPHER JOHNSON3 | 131 WEST 112 STREET APARTMENT 4B NEW YORK, NY 10026 | THE PAUL REVERE LIFE INSURANCE COMPANY | $6 | — | $6 | 0.05% |
| PROFESSIONAL GROUP MARKET3 | 50 BROADWAY 2ND FLOOR HAWTHORNE, NY 10583 | CIGNA LIFE INSURANCE CO. OF NEW YORK | $385 | — | $385 | 14.99% |
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 | 130 | 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) | 130 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EMBLEMHEALTH | 98 | $1.2M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 131 | $14K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 131 | $14K |
| Life insurance | CIGNA LIFE INSURANCE CO. OF NEW YORK | 46 | $34K |
| Short-term disability | THE PAUL REVERE LIFE INSURANCE COMPANY | 11 | $11K |
| Long-term disability | CIGNA LIFE INSURANCE CO. OF NEW YORK | 128 | $25K |
| Prescription drug | EMBLEMHEALTH | 98 | $1.2M |
| Other(3 contracts, 2 carriers) | CIGNA LIFE INSURANCE CO. OF NEW YORK | 128 | $48K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 131 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.