| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE CAMPS GROUP LLC3 | 320 W 57TH ST NEW YORK, NY 100193705 | UNITEDHEALTHCARE INSURANCE COMPANY | $105K | — | $105K | 2.53% |
| PROFESSIONAL PENSIONS INC3 | 10 RESEARCH PKWY WALLINGFORD, CT 064921957 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $54K | $54K | 1.31% |
| WILLIAM A GRAHAM COMPANY3 | 1 PENN SQ W PHILADELPHIA, PA 191024826 | UNITEDHEALTHCARE INSURANCE COMPANY | $31K | — | $31K | 0.74% |
| ACRISURE LLC3 Filed as: ACRISURE PGM INSURANCE SERVICES,LLC | 311 CLOCK TOWER CMNS BREWSTER, NY 105094059 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $4K | $4K | 0.10% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 101 PARK AVENUE 12TH FLOOR NEW YORK, NY 10178 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $17K | $5K | $22K | 10.33% |
| DIRECTPATH, LLC3 | 120 18TH ST S STE 102 BIRMINGHAM, AL 35233 | FIRST UNUM LIFE INSURANCE COMPANY | $2K | $14 | $2K | 7.36% |
| WILLIAM A GRAHAM COMPANY3 | 25TH FLOOR ONE PENN SQUARE WEST PHILADELPHIA, PA 19102 | FIRST UNUM LIFE INSURANCE COMPANY | $46 | — | $46 | 0.15% |
| PROFESSIONAL PENSIONS INC3 Filed as: PROFESSIONAL PENSIONS | 10 RESEARCH WAY WALLINGFORD, CT 06492 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $1K | $1K | 7.97% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | 1420 5TH AVE STE 1500 SEATTLE, WA 98101 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $694 | $463 | $1K | 6.64% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES | 1420 5TH AVE STE 1500 SEATTLE, WA 98101 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $994 | $92 | $1K | — |
| PROFESSIONAL PENSIONS INC3 Filed as: PROFESSIONAL PENSIONS | 10 RESEARCH WAY WALLINGFORD, CT 06492 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | -$738 | -$738 | — |
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 | 785 | 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) | 785 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 483 | $4.2M |
| Dental(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 711 | $4.4M |
| Vision(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 711 | $4.4M |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,294 | $211K |
| Short-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 239 | $32K |
| Long-term disability(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 711 | $228K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 483 | $4.1M |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 711 | $242K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,294 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.