| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KEYARX CAPITAL ADVISORS3 | 101 CRAWFORDS CORNER ROAD SUITE 1300 HOLMDEL, NJ 07733 | SUN LIFE ASSURANCE COMPANY OF CANADA | $26K | — | $26K | 14.17% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 1460 ROUTE 9 NORTH SUITE 200 WOODBRIDGE, NJ 07095 | SUN LIFE ASSURANCE COMPANY OF CANADA | $5K | — | $5K | 2.66% |
| MGIS3 | 111 SOUTH MAIN STREET SUITE 400 SALT LAKE CITY, UT 841112176 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $160 | $160 | 0.09% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 1460 ROUTE 9 NORTH SUITE 200 WOODBRIDGE, NJ 07095 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $4K | — | $4K | 4.96% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC | 225 WIRELESS BLVD, SUITE 200 HAUPPAUGE, NY 11788 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $4K | $4K | 4.96% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 1460 ROUTE 9 NORTH SUITE 200 WOODBRIDGE, NJ 07095 | STANDARD INSURANCE COMPANY | $828 | — | $828 | 2.35% |
| CAMPBELL PETRIE, INC.3 Filed as: CAMPBELL PETRIE INC | 1460 US HIGHWAY 9 N STE 200 WOODBRIDGE, NJ 07095 | STANDARD INSURANCE COMPANY | $389 | $254 | $643 | 1.83% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 1460 US HWY 9 NORTH, STE 200 WOODBRIDGE, NJ 07095 | STANDARD INSURANCE COMPANY | $4K | — | $4K | 23.92% |
| CAMPBELL PETRIE, INC.3 Filed as: CAMPBELL PETRIE INC | 1460 US HIGHWAY 9 NORTH SUITE 200 WOODBRIDGE, NJ 07095 | STANDARD INSURANCE COMPANY | $705 | — | $705 | 4.15% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW ENGLAND | P.O. BOX 466 FARMINGTON, CT 06034 | STANDARD INSURANCE COMPANY | $684 | — | $684 | 4.03% |
| CHRISTINE ANDREWS3 | PO BOX 466 FARMINGTON, CT 06032 | STANDARD INSURANCE COMPANY | $14 | $222 | $236 | 1.39% |
| PATRIOT GROWTH INSURANCE SERVICES3 | 1460 US HIGHWAY 9 N STE 200 WOODBRIDGE, NJ 07095 | AMERITAS LIFE INSURANCE GROUP | $1K | — | $1K | 10.00% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD HAUPPAUGE, NY 11788 | AMERITAS LIFE INSURANCE GROUP | $634 | — | $634 | 5.00% |
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 | 217 | 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) | 217 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 104 | $82K |
| Vision | AMERITAS LIFE INSURANCE GROUP | 220 | $13K |
| Life insurance | STANDARD INSURANCE COMPANY | 217 | $35K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 136 | $187K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 136 | $187K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 220 | — |
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.