| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GUTMAN INSURANCE AGENCY USA3 | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $65K | — | $65K | 13.34% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $23K | $23K | 4.66% |
| GUTMAN INSURANCE AGENCY USA3 | 4 YOEL KLEIN BOULEVARD SUITE 102 MONROE, NY 10950 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $11K | — | $11K | 9.94% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC | 225 WIRELESS BOULEVARD SUITE 200 HAUPPAUGE, NY 11788 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | — | $4K | $4K | 3.52% |
| GUTMAN INSURANCE AGENCY USA3 | 4 YOEL KLEIN BOULEVARD SUITE 102 MONROE, NY 10950 | CIGNA DENTAL HEALTH OF NEW JERSEY, INC. | $2K | — | $2K | 10.00% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC | 225 WIRELESS BOULEVARD SUITE 200 HAUPPAUGE, NY 11788 | CIGNA DENTAL HEALTH OF NEW JERSEY, INC. | — | $653 | $653 | 4.00% |
| PROFESSIONAL GROUP PLANS INC3 | — | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $625 | — | $625 | 18.00% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS | — | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | $301 | $301 | 8.67% |
| FOREST HILLS FINANCIAL GROUP3 Filed as: FOREST HILLS FINANCIAL GROUP N | — | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $9 | — | $9 | 0.26% |
| GUTMAN INSURANCE AGENCY USA3 | 4 YOEL KLEIN BOULEVARD SUITE 102 MONROE, NY 10950 | CIGNA DENTAL HEALTH OF OHIO, INC. | $195 | — | $195 | 10.01% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC | 225 WIRELESS BOULEVARD SUITE 200 HAUPPAUGE, NC 11788 | CIGNA DENTAL HEALTH OF OHIO, INC. | — | $78 | $78 | 4.00% |
| GUTMAN INSURANCE AGENCY USA3 | 4 YOEL KLEIN BOULEVARD SUITE 102 MONROE, NY 10950 | CIGNA DENTAL HEALTH OF FLORIDA, INC. | $77 | — | $77 | 9.96% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC | 225 WIRELESS BOULEVARD SUITE 200 HAUPPAUGE, NY 11788 | CIGNA DENTAL HEALTH OF FLORIDA, INC. | — | $31 | $31 | 4.01% |
| GUTMAN INSURANCE AGENCY USA3 | 4 YOEL KLEIN BOULEVARD SUITE 102 MONROE, NC 10950 | CIGNA DENTAL HEALTH OF NORTH CAROLINA, INC. | $19 | — | $19 | 10.22% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC | 225 WIRELESS BOULEVARD SUITE 200 HAUPPAUGE, NY 11788 | CIGNA DENTAL HEALTH OF NORTH CAROLINA, INC. | — | $7 | $7 | 3.76% |
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 | 125 | 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) | 125 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(5 contracts, 5 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 132 | $127K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 132 | $108K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 17 | $3K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 130 | $489K |
| Other | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 17 | $3K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 132 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.