| 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 | $14K | $1K | $15K | 5.09% |
| GUTMAN INSURANCE AGENCY USA3 Filed as: GUTMAN INSURANCE AGENCY USA LLC | 4 YOEL KLEIN BOULEVARD MONROE, NY 10950 | METROPOLOTAN LIFE INSURANCE COMPANY | $9K | — | $9K | 2.95% |
| LOUIS J MARTUCCI3 | 192 JENNIFER LANE YONKERS, NY 10710 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $6K | $6K | 5.00% |
| WOLF PERL3 | 185A MARCY AVENUE SUITE 240 BROOKLYN, NY 11211 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 4.47% |
| LOUIS J MARTUCCI3 | 192 JENNIFER LANE YONKERS, NY 10710 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $5K | $5K | 5.00% |
| WOLF PERL3 | 185A MARCY AVENUE SUITE 240 BROOKLYN, NY 11211 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 3.83% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BOULEVARD 2ND FLOOR HAUPPAUGE, NY 11788 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | $929 | $5K | 11.72% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BOULEVARD 2ND FLOOR HAUPPAUGE, NY 11788 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $911 | — | $911 | 1.98% |
| WOLF PERL3 | 185A MARCY AVENUE SUITE 240 BROOKLYN, NY 11211 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 9.24% |
| LOUIS J MARTUCCI3 | 192 JENNIFER LANE YONKERS, NY 10710 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 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 | $2K | — | $2K | 9.43% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BOULEVARD SUITE 200 HAUPPAUGE, NY 11788 | SAFEGUARD HEALTH PLANS, INC., A FLORIDA CORPORATION | $845 | $67 | $912 | 5.09% |
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 | 416 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 12 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 428 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | METROPOLOTAN LIFE INSURANCE COMPANY | 466 | $313K |
| Vision | METROPOLOTAN LIFE INSURANCE COMPANY | 466 | $295K |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 891 | $70K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 891 | $93K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 891 | $115K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 891 | $70K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 891 | — |
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.