| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC. | 225 WIRELESS BLVD STE 200 HAUPPAUGE, NY 11788 | UNITEDHEALTHCARE INSURANCE COMPANY | $5K | $3K | $8K | 8.35% |
| R STEPHENS FINANCIAL INC3 Filed as: R STEPHENS FINANCIAL | 10 WILSEY SQ STE 200 RIDGEWOOD, NJ 07450 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | — | $2K | 1.50% |
| R STEPHENS FINANCIAL INC3 | 10 WILSEY SQUARE STE 200 RIDGEWOOD, NJ 07450 | FIRST UNUM LIFE INSURANCE COMPANY | $4K | — | $4K | 9.44% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD 2ND FL HAUPPAUGE, NY 11788 | FIRST UNUM LIFE INSURANCE COMPANY | $2K | $2K | $4K | 8.15% |
| R STEPHENS FINANCIAL INC3 Filed as: R STEPHENS FINANCIAL | 10 WILSEY SQ STE 200 RIDGEWOOD, NJ 07450 | FIRST UNUM LIFE INSURANCE COMPANY | $1K | — | $1K | 16.42% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD 2ND FL HAUPPAUGE, NY 11788 | FIRST UNUM LIFE INSURANCE COMPANY | $318 | $254 | $572 | 8.15% |
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 | 208 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 208 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 208 | $102K |
| Life insurance | FIRST UNUM LIFE INSURANCE COMPANY | 62 | $7K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 172 | $45K |
| Other | FIRST UNUM LIFE INSURANCE COMPANY | 62 | $7K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 208 | — |
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.