| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS INC. | 225 WIRELESS BLVD HAUPPAUGE, NY 11788 | HARTFORD LIFE AND ACCIDENT | $0 | $24K | $24K | 2.25% |
| UBF INSURANCE SERVICES, INC.3 | 2033 N. MAIN ST SUITE 700 WALNUT CREEK, CA 94596 | HARTFORD LIFE AND ACCIDENT | $20K | — | $20K | 1.85% |
| UBF INSURANCE SERVICES, INC.3 | 2033 N. MAIN ST SUITE 700 WALNUT CREEK, CA 94596 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | — | $9K | 1.71% |
| UBF INSURANCE SERVICES, INC.3 | 2033 N. MAIN ST SUITE 700 WALNUT CREEK, CA 94596 | CONTINENTAL AMERICA INSURANCE COMPANY | $51K | $0 | $51K | 26.18% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 111 VETERANS BLVD STE 1130 METAIRIE, LA 70005 | CONTINENTAL AMERICA INSURANCE COMPANY | $5K | $0 | $5K | 2.48% |
| UBF INSURANCE SERVICES, INC.3 | 2033 N. MAIN ST SUITE 700 WALNUT CREEK, CA 94596 | VISION SERVICE PLAN | $3K | $0 | $3K | 2.70% |
| UBF INSURANCE SERVICES, INC.3 | 2033 N. MAIN ST SUITE 700 WALNUT CREEK, CA 94596 | METLIFE LEGAL PLANS | $3K | $0 | $3K | 10.78% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 6967 SOUTH RIVER GATE DR STE 200 MIDVALE, UT 84047 | METLIFE LEGAL PLANS | $0 | $106 | $106 | 0.36% |
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 | 1,288 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 1,288 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,625 | $511K |
| Vision | VISION SERVICE PLAN | 883 | $105K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 1,288 | $1.1M |
| Other(3 contracts, 3 carriers) | HARTFORD LIFE AND ACCIDENT | 1,288 | $1.3M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,625 | — |
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.