| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AMWINS3 Filed as: AMWINS CONNECT INSURANCE SVCS., LLC | 2 ENTERPRISE DRIVE, SUITE 204 SHELTON, CT 06484 | PRINCIPAL LIFE INSURANCE COMPANY | — | $15K | $15K | 4.29% |
| THE HOTALING GROUP3 Filed as: THE HOTALING GROUP, INC. | 1001 AVENUE OF THE AMERICAS ROOM NEW YORK, NY 10018 | PRINCIPAL LIFE INSURANCE COMPANY | $13K | $5 | $13K | 3.73% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC. | 225 WIRELESS BOULEVARD HAUPPAUGE, NY 11788 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $4K | $4K | 1.14% |
| LOCKTON COMPANIES, LLC3 | 1185 AVENUE OF THE AMERICAS NEW YORK, NY 10036 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | — | $2K | 0.45% |
| AMWINS3 Filed as: AMWINS CONNECT INSURANCE SVCS, LLC | 2677 NORTH MAIN STREET, SUITE 800 SANTA ANA, CA 92705 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $479 | $479 | 0.14% |
| AMWINS3 Filed as: AMWINS CONNECT INSURANCE SVCS, LLC | 2677 NORTH MAIN STREET, SUITE 800 SANTA ANA, CA 92705 | ANTHEM BLUE CROSS | $0 | $43K | $43K | 13.78% |
| THE HOTALING GROUP3 Filed as: THE HOTALING GROUP, INC. | 8 FLETCHER PLACE MELVILLE, NY 11747 | ANTHEM BLUE CROSS | $28K | $0 | $28K | 8.84% |
| LOCKTON COMPANIES, LLC3 | THREE EMBARCADERO CENTER, SUITE 600 SAN FRANCISCO, CA 94111 | ANTHEM BLUE CROSS | $3K | $0 | $3K | 1.07% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC. | 225 WIRELESS BOULEVARD HAUPPAUGE, NY 11788 | ANTHEM BLUE CROSS | $0 | $2K | $2K | 0.61% |
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 | 277 | 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) | 277 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 268 | $651K |
| Vision(2 contracts, 2 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 268 | $651K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 268 | $339K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 268 | $339K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 268 | $339K |
| Other | PRINCIPAL LIFE INSURANCE COMPANY | 268 | $339K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 268 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.