| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PANORAMA RISK & INSURANCE SOLUTIONS3 | 13030 PIERCE STREET OMAHA, NE 92692 | AETNA LIFE INSURANCE CO. | $146K | $5K | $151K | 5.44% |
| PANORAMA RISK & INSURANCE SOLUTIONS3 | 13030 PIERCE STREET OMAHA, NE 92692 | AETNA HEALTH, INC. | $10K | — | $10K | 5.02% |
| PANORAMA RISK & INSURANCE3 | 16030 VENTURA BLVD SUITE 260 ENCINO, CA 91436 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | — | $7K | 10.90% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC | 225 WIRELESS BLVD STE 200 HAUPPAUGE, NY 11788 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 2.71% |
| PANORAMA RISK & INSURANCE3 | 16030 VENTURA BLVD SUITE 260 ENCINO, CA 91436 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 10.35% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC | 225 WIRELESS BLVD STE 200 HAUPPAUGE, NY 11788 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 2.53% |
| PANORAMA RISK & INSURANCE3 | 16030 VENTURA BLVD SUITE 260 ENCINO, CA 91436 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 10.77% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD STE 200 HAUPPAUGE, NY 11788 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $552 | — | $552 | 2.30% |
| PANORAMA RISK & INSURANCE3 Filed as: PANORAMA RISK & INS SOL, LLC | 8753 E BELL RD SUITE 110 SCOTTSDALE, AZ 85260 | VISION SERVICE PLAN | $2K | — | $2K | 9.99% |
| PANORAMA RISK & INSURANCE3 | 16030 VENTURA BLVD SUITE 260 ENCINO, CA 91436 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 10.85% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC | 225 WIRELESS BLVD STE 200 HAUPPAUGE, NY 11788 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $329 | — | $329 | 2.52% |
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 | 156 | 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) | 156 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 326 | $2.8M |
| Dental | AETNA LIFE INSURANCE CO. | 326 | $2.8M |
| Vision | VISION SERVICE PLAN | 137 | $23K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 156 | $41K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 142 | $24K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 143 | $62K |
| Other(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 156 | $54K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 326 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.