| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INS SVCS | 437 EAST ALLEN STREET 2ND FLOOR HUDSON, NY 12534 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $91K | $91K | 3.72% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC | 225 WIRELESS BOULEVARD SUITE 200 HAUPPAUGE, MH 11788 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $49K | $49K | 2.00% |
| GROUP HEALTH SOLUTION INC3 | 437 EAST ALLEN STREET 2ND FLOOR HUDSON, NY 12534 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $31K | $31K | 1.28% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INS SERVICE LLC | 437 EAST ALLEN STREET HUDSON, NY 12534 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $9K | — | $9K | 8.64% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BOULEVARD # 308 HAUPPAUGE, NY 11788 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $5K | $5K | 5.00% |
| GROUP HEALTH SOLUTIONS INC3 | 437 EAST ALLEN STREET FLOOR 2 HUDSON, NY 12534 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 1.36% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INS SERVICE LLC | 437 EAST ALLEN STREET HUDSON, NY 12534 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $11K | — | $11K | 13.25% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BOULEVARD # 308 HAUPPAUGE, NY 11788 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $4K | $4K | 5.00% |
| GROUP HEALTH SOLUTIONS INC3 | 437 EAST ALLEN STREET FLOOR 2 HUDSON, NY 12534 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 1.75% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INS SERVICE LLC | 437 EAST ALLEN STREET HUDSON, NY 12534 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $10K | — | $10K | 13.35% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC | 225 WIRELESS BOULEVARD # 308 HAUPPAUGE, NY 11788 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $4K | $4K | 5.00% |
| GROUP HEALTH SOLUTIONS INC3 | 437 EAST ALLEN STREET FLOOR 2 HUDSON, NY 12534 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | — | $1K | 1.65% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INS SERVICE INC | 437 EAST ALLEN STREET FLOOR 2 HUDSON, NY 12534 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 15.75% |
| GROUP HEALTH SOLUTION INC3 | 437 EAST ALLEN STREET FLOOR 2 HUDSON, NY 12534 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $835 | $299 | $1K | 5.77% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BOULEVARD # 308 HAUPPAUGE, NY 11788 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 5.76% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INS SERVICE LLC | 437 EAST ALLEN STREET HUDSON, NY 12534 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 12.67% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC | 225 WIRELESS BOULEVARD # 308 HAUPPAUGE, NY 11788 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $973 | $973 | 5.00% |
| GROUP HEALTH SOLUTIONS INC3 | 437 EAST ALLEN STREET FLOOR 2 HUDSON, NY 12534 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $452 | — | $452 | 2.32% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INS SERVICE LLC | 437 EAST ALLEN STREET HUDSON, NY 12534 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 8.61% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC | 225 WIRELESS BOULEVARD #308 HAUPPAUGE, NY 11788 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $887 | $887 | 5.00% |
| GROUP HEALTH SOLUTIONS INC3 | 437 EAST ALLEN STREET FLOOR 2 HUDSON, NY 12534 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $247 | — | $247 | 1.39% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INS SERVICE LLC | 437 EAST ALLEN STREET HUDSON, NY 12534 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 13.24% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BOULEVARD # 308 HAUPPAUGE, NY 11788 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $880 | $880 | 5.00% |
| GROUP HEALTH SOLUTIONS INC3 | 437 EAST ALLEN STREET FLOOR 2 HUDSON, NY 12534 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $309 | — | $309 | 1.75% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INS SERVICE LLC | 437 EAST ALLEN STREET HUDSON, NY 12534 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 15.89% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BOULEVARD # 308 HAUPPAUGE, NY 11788 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $1K | $1K | 5.83% |
| GROUP HEALTH SOLUTION INC3 | 437 EAST ALLEN STREET FLOOR 2 HUDSON, NY 12534 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $708 | $286 | $994 | 5.77% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INS SERVICE LLC | 437 EAST ALLEN STREET HUDSON, NY 12534 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 15.79% |
| GROUP HEALTH SOLUTION INC3 | 437 EAST ALLEN STREET HUDSON, NY 12534 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $576 | $235 | $811 | 5.93% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BOULEVARD # 308 HAUPPAUGE, NY 11788 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $802 | $802 | 5.86% |
| PATRIOT GROWTH INSURANCE SERVICES3 Filed as: PATRIOT GROWTH INS SERVICE LLC | 437 EAST ALLEN STREET HUDSON, NY 12534 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $601 | — | $601 | 13.11% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BOULEVARD # 308 HUDSON, NY 12534 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | — | $229 | $229 | 5.00% |
| GROUP HEALTH SOLUTIONS INC3 | 437 EAST ALLEN STREET FLOOR 2 HUDSON, NY 12534 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $87 | — | $87 | 1.90% |
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 | 249 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 250 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 185 | $2.5M |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 203 | $99K |
| Vision | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 199 | $18K |
| Life insurance(2 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 249 | $37K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 249 | $77K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 249 | $81K |
| Other(6 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 249 | $92K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 249 | — |
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.