| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NORTHEAST LLC | 445 HAMILTON AVE 10TH FLOOR WHITE PLAINS, NY 10601 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $566K | $566K | 3.97% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC. | 225 WIRELESS BLVD SUITE 200 HAUPPAUGE, NY 117880000 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $142K | $142K | 1.00% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NORTHEAST, LLC | 445 HAMILTON AVENUE 10TH FLOOR WHITE PLAINS, NY 10601 | GUARDIAN LIFE INSURANCE COMPANY | $15K | $24K | $39K | 5.02% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NORTHEAST LLC | 445 HAMILTON AVE FLOOR 10 WHITE PLAINS, NY 10601 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $5K | — | $5K | 0.81% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NORTHEAST LLC | 445 HAMILTON AVE FLOOR 10 WHITE PLAINS, NY 10601 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 1.21% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NORTHEAST, LLC | 445 HAMILTON AVE FLOOR 10 WHITE PLAINS, NY 10601 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $4K | — | $4K | 1.56% |
| ASSUREDPARTNERS Filed as: ASSUREDPARTNERS NORTHEAST, LLC | 445 HAMILTON AVE FLOOR 10 WHITE PLAINS, NY 10601 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | — | $0 | 0.00% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS NORTHEAST, LLC | 445 HAMILTON AVE FLOOR 10 WHITE PLAINS, NY 10601 | THE LINCOLN NATIONAL LIFE INSURANCE | $1K | — | $1K | 15.00% |
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 | 1,551 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 85 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,644 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 1,121 | $14.2M |
| Dental | GUARDIAN LIFE INSURANCE COMPANY | 1,155 | $771K |
| Vision | GUARDIAN LIFE INSURANCE COMPANY | 1,155 | $771K |
| Life insurance | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,551 | $275K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,105 | $353K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,524 | $656K |
| Other(3 contracts, 2 carriers) | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 1,551 | $355K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,551 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.