| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ZAIN S. HASAN3 | 2890 W. STATE ROAD FT. LAUDERDALE, FL 33312 | PRINCIPAL LIFE INSURANCE COMPANY | $37K | — | $37K | 12.07% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC. | 225 WIRELESS BLVD. HAUPPAUGE, NY 11788 | PRINCIPAL LIFE INSURANCE COMPANY | — | $20K | $20K | 6.70% |
| MOODY INSURANCE AGENCY3 | 8055 E. TUFTS AVE., SUITE 1000 DENVER, CO 80237 | PRINCIPAL LIFE INSURANCE COMPANY | $20K | — | $20K | 6.66% |
| NATIONAL INSURANCE CONSULTING GROUP3 Filed as: NATIONAL INSURANCE CONSULTING | 8343 ROSEWELL ROAD ATLANTA, GA 30350 | PRINCIPAL LIFE INSURANCE COMPANY | — | $11K | $11K | 3.64% |
| ZAIN S. HASAN3 | 3250 N. 29TH AVE. HOLLYWOOD, CA 33020 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 25.28% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC. | 225 WIRELESS BLVD. HAUPPAUGE, NY 11788 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $367 | — | $367 | 1.33% |
| MOODY INSURANCE AGENCY3 | 8055 E. TUFTS AVE., SUITE 1000 DENVER, CO 80237 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $356 | — | $356 | 1.29% |
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 | 155 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 158 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 155 | $305K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 155 | $305K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 155 | $305K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 155 | $305K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 155 | $305K |
| Stop-loss / reinsurancereinsurance | UNITED STATES FIRE INSURANCE COMPANY | 128 | $387K |
| Other(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 194 | $333K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 194 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.