| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BOULEVARD FLOOR 2 HAUPPAUGE, NY 11788 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $11 | $7K | 4.96% |
| ASSUREDPARTNERS3 Filed as: ASSURED SKCG INC | 123 MAIN STREET FLOOR 14 WHITE PLAINS, NY 10601 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $20 | $4K | 2.78% |
| TERRENCE F SLOANE3 | 550 MAMARONECK AVENUE SUITE 304 HARRISON, NY 10528 | FIRST UNUM LIFE INSURANCE COMPANY | $12K | — | $12K | 10.85% |
| TERRENCE F SLOANE3 | 550 MAMARONECK AVENUE SUITE 304 HARRISON, NY 10528 | FIRST UNUM LIFE INSURANCE COMPANY | $9K | — | $9K | 8.92% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS NORTHEAST LLC | 123 MAIN STREET 14TH FLOOR WHITE PLAINS, NY 10601 | FEDERAL INSURANCE COMPANY | $6K | — | $6K | 20.00% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BOULEVARD SUITE 200 HAUPPAUGE, NY 11788 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 15.00% |
| NMP PLANNING CO. INC3 | 108-14 72ND AVENUE FOREST HILLS, NY 11375 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $31 | — | $31 | 0.20% |
| THE SLOANE AGENCY3 | 500 MAMARONECK AVENUE SUITE 320 HARRISON, NE 10528 | ZURICH AMERICAN INSURANCE COMPANY | $3K | — | $3K | 20.00% |
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 | 105 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 4 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 113 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 318 | $140K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 102 | $16K |
| Life insurance | FIRST UNUM LIFE INSURANCE COMPANY | 108 | $101K |
| Short-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 108 | $111K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 108 | $111K |
| Other(2 contracts, 2 carriers) | FEDERAL INSURANCE COMPANY | 111 | $43K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 318 | — |
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.