| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CAMPBELL PETRIE, INC.3 | 570 W MT PLEASANT AVENUE SUITE 104 LIVINGSTON, NJ 07039 | GERBER LIFE INSURANCE COMPANY | $18K | — | $18K | 3.00% |
| CAMPBELL PETRIE, INC.3 | 570 W MT PLEASANT AVE SUITE 104 LIVINGSTON, NJ 07039 | AETNA LIFE INSURANCE CO. | $29K | — | $29K | 14.87% |
| CUSTOM BENEFIT PROGRAMS INC3 Filed as: CUSTOM BENEFIT PROGRAMS INC. | 897 12TH ST HAMMONTON, NJ 08037 | FIRST UNUM LIFE INSURANCE COMPANY | $5K | $1K | $6K | 4.25% |
| GROUP BENEFITS & ADMINISTRATION INC3 | C/O STEPHEN DEBIASI 34 JAROMBEK DR TOWACO, NJ 07082 | FIRST UNUM LIFE INSURANCE COMPANY | $2K | — | $2K | 1.75% |
| CAMPBELL PETRIE, INC.3 | 570 W MT PLEASANT AVE SUITE 104 LIVINGSTON, NJ 07039 | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | $4K | — | $4K | 8.40% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC. | 225 WIRELESS BLVD #308 HAUPPAUGE, NY 11788 | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | $0 | $2K | $2K | 5.00% |
| CAMPBELL PETRIE, INC.3 | 570 W MT PLEASANT AVE SUITE 104 LIVINGSTON, NJ 07039 | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | $2K | — | $2K | 6.59% |
| 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 | 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 | 630 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 633 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA LIFE INSURANCE CO. | 952 | $195K |
| Life insurance(2 contracts, 2 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 730 | $174K |
| Short-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 456 | $141K |
| Long-term disability | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | 369 | $45K |
| Stop-loss / reinsurancereinsurance | GERBER LIFE INSURANCE COMPANY | 0 | $606K |
| Other | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | 730 | $33K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 952 | — |
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."
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.