| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BOULEVARD SUITE 200 HAUPPAUGE, NY 11788 | METROPOLOTAN LIFE INSURANCE COMPANY | $10K | $6K | $16K | 6.42% |
| GUTMAN INSURANCE AGENCY USA3 Filed as: GUTMAN INSURANCE AGENCY USA LLC | 4 YOEL KLEIN BOULEVARD MONROE, NY 10950 | METROPOLOTAN LIFE INSURANCE COMPANY | $9K | — | $9K | 3.36% |
| WOLF PERL3 | 185A MARCY AVENUE SUITE 240 BROOKLYN, NY 11211 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 5.62% |
| LOUIS J MARTUCCI3 | 192 JENNIFER LANE YONKERS, NY 10710 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $4K | $4K | 5.00% |
| LOUIS J MARTUCCI3 | 192 JENNIFER LANE YONKERS, NY 10710 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $3K | $3K | 5.00% |
| WOLF PERL3 | 185A MARCY AVENUE SUITE 240 BROOKLYN, NY 11211 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 4.68% |
| WOLF PERL3 | 185A MARCY AVENUE SUITE 240 BROOKLYN, NY 11211 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 9.90% |
| LOUIS J MARTUCCI3 | 192 JENNIFER LANE YONKERS, NY 10710 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $977 | $977 | 5.00% |
| GUTMAN INSURANCE AGENCY USA3 Filed as: GUTMAN INSURANCE AGENCY USA LLC | 4 YOEL KLEIN BOULEVARD MONROE, NY 10950 | SAFEGUARD HEALTH PLANS, INC., A FLORIDA CORPORATION | $741 | — | $741 | 7.50% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BOULEVARD SUITE 200 HAUPPAUGE, NY 11788 | SAFEGUARD HEALTH PLANS, INC., A FLORIDA CORPORATION | $371 | $228 | $599 | 6.06% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BOULEVARD 2ND FLOOR NAUPPAUGE, NY 11788 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $656 | $59 | $715 | 19.61% |
| FOREST HILLS FINANCIAL GROUP3 Filed as: FOREST HILLS FINANCIAL GROUP N | — | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $10 | — | $10 | 0.27% |
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 | 349 | 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) | 349 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | METROPOLOTAN LIFE INSURANCE COMPANY | 534 | $263K |
| Vision | METROPOLOTAN LIFE INSURANCE COMPANY | 534 | $254K |
| Life insurance(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 794 | $23K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 794 | $68K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 794 | $87K |
| Other(2 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 794 | $23K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 794 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.