| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PRO INSURANCE AGENCY, INC.3 | 21 BENNETTS ROAD EAST SETAUKET, NY 11733 | AETNA LIFE INSURANCE COMPANY | $61K | $3K | $64K | 5.57% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS | 225 WIRELESS BOULEVARD HAUPPAUGE, NY 11788 | AETNA LIFE INSURANCE COMPANY | $15K | $0 | $15K | 1.34% |
| PRO INSURANCE AGENCY, INC.3 | 21 BENNETTS ROAD, SUITE 202 SETAUKET, NY 11733 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $0 | $9K | 6.00% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS INC. | 225 WIRELESS BOULEVARD, SUITE 200 HAUPPAUGE, NY 11788 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $0 | $7K | 5.00% |
| PRO INSURANCE AGENCY, INC.3 | 21 BENNETTS ROAD EAST, SUIT 202 SETAUKET, NY 11733 | ALLSTATE LIFE INSURANCE COMPANY OF NEW YORK | $2K | $0 | $2K | 15.21% |
| ABRAHAM BASH3 | 148 SOUTH FRONT STREET APARTMENT 321 FARMINGDALE, NY 11735 | AFLAC | $3K | $0 | $3K | 38.84% |
| PATRICK RUHLE3 | 200 GARDEN CITY PLAZA, SUITE 410 GARDEN CITY, NY 11530 | AFLAC | $456 | $0 | $456 | 5.69% |
| SHAUN T KONIOR3 Filed as: SHAUN T. KONIOR | 31 STRATFORD GREEN FARMINGDALE, NY 11735 | AFLAC | $354 | $0 | $354 | 4.42% |
| THE RUFFNER ROSENBERG COMPANIES INC3 | 21 BENNETTS ROAD, SUITE 202 EAST SETAUKET, NY 11733 | AFLAC | $193 | $0 | $193 | 2.41% |
| GFM CORP3 Filed as: GFM CORPORATION | 2 HALYARD COURT COLD SPRING HARBOR, NY 11724 | AFLAC | $41 | $0 | $41 | 0.51% |
| RICHARD PETERSON3 | 19 IDLE DAY DRIVE CENTERPORT, NY 11721 | AFLAC | $27 | $0 | $27 | 0.34% |
| MICHAEL S COHEN3 Filed as: MICHAEL J. SHERWOOD | 17 NORTH AVENUE NORTHPORT, NY 11768 | AFLAC | $14 | $0 | $14 | 0.17% |
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 | 192 | 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) | 192 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 207 | $1.1M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 451 | $142K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 451 | $142K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 451 | $142K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 451 | $142K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 451 | $142K |
| Prescription drug | AETNA LIFE INSURANCE COMPANY | 207 | $1.1M |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 451 | $162K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 451 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.