| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GBA INSURANCE SERVICES3 | 34 JAROMBEK DRIVE TOWACO, NJ 07082 | GERBER LIFE INSURANCE COMPANY | $12K | — | $12K | 1.62% |
| CAMPBELL PETRIE, INC.3 Filed as: CAMPBELL PETRIE INC | 570 W MT PLEASANT AVENUE SUITE 104 LIVINGSTON, NJ 07039 | GERBER LIFE INSURANCE COMPANY | $10K | — | $10K | 1.38% |
| UNION BENEFIT PLANNERS,3 Filed as: UNION BENEFIT PLANNERS, INC. | C/O STEPHEN DE BLASI 34 JAROMBEK DR TOWACO, NJ 07082 | AETNA LIFE INSURANCE CO. | $25K | — | $25K | 11.86% |
| CAMPBELL PETRIE, INC.3 | 570 W MT PLEASANT AVE SUITE 104 LIVINGSTON, NJ 07039 | AETNA LIFE INSURANCE CO. | $7K | — | $7K | 3.17% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS | 225 WIRELESS BLVD. 2ND FLOOR HAUPPAUGE, NY 11788 | AETNA LIFE INSURANCE CO. | $0 | $6K | $6K | 2.87% |
| CAMPBELL PETRIE, INC.3 | 10 MADISON AVE. 3RD FLOOR MORRISTOWN, NJ 07960 | AETNA LIFE INSURANCE CO. | $5K | — | $5K | 2.19% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS INC. | 897 12TH ST HAMMONTON, NJ 08037 | FIRST UNUM LIFE INSURANCE COMPANY | $46K | $577 | $46K | 24.63% |
| GROUP BENEFITS & ADMINISTRATION INC3 | C/O STEPHEN DEBIASI 34 JAROMBEK DR TOWACO, NJ 07082 | FIRST UNUM LIFE INSURANCE COMPANY | $25K | — | $25K | 13.09% |
| CAMPBELL PETRIE, INC.3 | 570 W MT PLEASANT AVE SUITE 104 LIVINGSTON, NJ 07039 | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | $4K | — | $4K | 6.81% |
| UNION BENEFIT PLANNERS,3 Filed as: UNION BENEFIT PLANNERS, INC. | 34 JAROMBEK DR TOWACO, NJ 07082 | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | $0 | $3K | $3K | 5.10% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GRP PLANS, INC. | 225 WIRELESS BLVD #308 HAUPPAUGE, NY 11788 | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | $0 | $2K | $2K | 3.33% |
| GROUP BENEFITS AND ADMN INC.3 | 34 JAROMBEK DR TOWACO, NJ 07082 | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | $908 | $908 | $2K | 3.33% |
| UNION BENEFIT PLANNERS,3 Filed as: UNION BENEFIT PLANNERS, INC. | 34 JAROMBEK DR TOWACO, NJ 07082 | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | $0 | $3K | $3K | 6.77% |
| CAMPBELL PETRIE, INC.3 | 570 W MT PLEASANT AVE SUITE 104 LIVINGSTON, NJ 07039 | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | $2K | — | $2K | 4.81% |
| GROUP BENEFITS AND ADMN INC.3 | 34 JAROMBEK DR TOWACO, NJ 07082 | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | $410 | $2K | $2K | 4.68% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GRP PLANS, INC. | 225 WIRELESS BLVD #308 HAUPPAUGE, NY 11788 | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | $0 | $1K | $1K | 3.12% |
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 | 748 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 5 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 753 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA LIFE INSURANCE CO. | 946 | $209K |
| Life insurance(2 contracts, 2 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 791 | $232K |
| Short-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 677 | $187K |
| Long-term disability | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | 369 | $54K |
| Stop-loss / reinsurancereinsurance | GERBER LIFE INSURANCE COMPANY | 0 | $717K |
| Other | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | 791 | $45K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 946 | — |
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.