| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FOUNDATION RISK PARTNERS CORP3 Filed as: FOUNDATION RISK PARTNERS | 1180 AVENUE OF THE AMERICAS 8TH FL NEW YORK, NY 10036 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $10K | $0 | $10K | 10.00% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS | 225 WIRELESS BLVD STE 200 HAUPPAUGE, NY 11788 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $5K | $5K | 4.61% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE | PO BOX 3009 21ST FL ARLINGTON HEIGHTS, IL 60006 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $557 | $557 | 0.53% |
| GARY WOOD ASSOCIATES, INC.3 | 1180 AVENUE OF THE AMERICANS FL 8 NEW YORK, NY 100368401 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $0 | $2K | 5.22% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HIEGHTS, IL 600063009 | METROPOLITAN LIFE INSURANCE COMPANY | $689 | $172 | $861 | 2.19% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC. | 225 WIRELESS BLVD STE 200 HAUPPAUGE, NY 117883914 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $14 | $14 | 0.04% |
| FOUNDATION RISK PARTNERS CORP3 Filed as: FOUNDATION RISK PARTNERS | 1180 AVENUE OF THE AMERICAS 8TH FL NEW YORK, NY 10036 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $0 | $2K | 10.00% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS | 225 WIRELESS BLVD STE 200 HAUPPAUGE, NY 11788 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $0 | $1K | 4.57% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE | PO BOX 3009 21ST FL ARLINGTON HEIGHTS, IL 60006 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $317 | $317 | 1.32% |
| FOUNDATION RISK PARTNERS CORP3 Filed as: FOUNDATION RISK PARTNERS | 1180 AVENUE OF THE AMERICAS 8TH FL NEW YORK, NY 10036 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $0 | $2K | 10.00% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS | 225 WIRELESS BLVD STE 200 HAUPPAUGE, NY 11788 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $971 | $971 | 4.57% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE | PO BOX 3009 21ST FL ARLINGTON HEIGHTS, IL 60006 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $137 | $137 | 0.64% |
| FOUNDATION RISK PARTNERS CORP3 Filed as: FOUNDATION RISK PARTNERS | 1180 AVENUE OF THE AMERICAS 8TH FL NEW YORK, NY 10036 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $701 | $0 | $701 | 10.00% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS | 225 WIRELESS BLVD STE 200 HAUPPAUGE, NY 11788 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $320 | $320 | 4.56% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICE | PO BOX 3009 21ST FL ARLINGTON HEIGHTS, IL 60006 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $25 | $25 | 0.36% |
| GARY WOOD ASSOCIATES, INC.3 | 1180 AVENUE OF THE AMERICAS FL 8 NEW YORK, NY 100368401 | SAFEGUARD HEALTH PLANS, INC., A CALIFORNIA CORPORATION | $365 | $0 | $365 | — |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC. | 225 WIRELESS BLVD STE 200 HAUPPAUGE, NY 117883914 | SAFEGUARD HEALTH PLANS, INC., A CALIFORNIA CORPORATION | $365 | $0 | $365 | — |
| W INSURANCE SERVICES INC3 Filed as: W INSURANCE SERVICES, INC. | 3035 CALLE FRONTERA SAN CLEMENTE, CA 926733012 | SAFEGUARD HEALTH PLANS, INC., A CALIFORNIA CORPORATION | -$116 | $0 | -$116 | — |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 600063009 | SAFEGUARD HEALTH PLANS, INC., A CALIFORNIA CORPORATION | -$406 | -$54 | -$460 | — |
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 | 347 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 347 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 54 | $39K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 403 | $105K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 53 | $21K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 92 | $24K |
| Other(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 403 | $112K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 403 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.