| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE CAMPS GROUP LLC3 Filed as: THE CAMPS GROUP, LLC | 122 EAST 42ND STREET, SUITE 1903 NEW YORK, NY 10168 | AETNA LIFE INSURANCE COMPANY | $309K | $20K | $329K | 6.01% |
| ALLIANT INSURANCE SERVICES, INC.3 | 9E RIVER PARK PLACE EAST, SUITE 310 FRESNO, CA 93720 | AETNA LIFE INSURANCE COMPANY | $21K | $0 | $21K | 0.38% |
| PROFESSIONAL GROUP MARKETING INC3 Filed as: PROFESSIONAL GROUP MARKETING | 50 BROADWAY HAWTHORNE, NY 10532 | AETNA LIFE INSURANCE COMPANY | $9K | $0 | $9K | 0.16% |
| ALLIANT INSURANCE SERVICES, INC.3 | 5444 WESTHEIMER ROAD, 9TH FLOOR HOUSTON, TX 77056 | AETNA LIFE INSURANCE COMPANY | $0 | $196 | $196 | 0.00% |
| ALLIANT INSURANCE SERVICES, INC.3 | 320 WEST 57TH STREET, 3RD FLOOR NEW YORK, NY 10019 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $32K | $0 | $32K | 5.75% |
| PROFESSIONAL GROUP MARKETING INC3 Filed as: PROFESSIONAL GROUP MARKETING | 50 BROADWAY HAWTHORNE, NY 10532 | FIRST UNUM LIFE INSURANCE COMPANY | $0 | $14K | $14K | 4.18% |
| THE CAMPS GROUP LLC3 Filed as: THE CAMPS GROUP, LLC | 320 WEST 57TH STREET, 3RD FLOOR NEW YORK, NY 10019 | FIRST UNUM LIFE INSURANCE COMPANY | $11K | $0 | $11K | 3.13% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, SUITE 600 SAN DIEGO, CA 92101 | FIRST UNUM LIFE INSURANCE COMPANY | $5K | $1K | $7K | 1.92% |
| PROFESSIONAL GROUP MARKETING INC3 Filed as: PROFESSIONAL GROUP MARKETING | 50 BROADWAY HAWTHORNE, NY 10532 | EYEMED VISION CARE ON BEHALF OF STANDARD SECURITY LIFE INS. OF NY | $5K | $0 | $5K | 7.85% |
| ALLIANT INSURANCE SERVICES, INC.3 | 320 WEST 57TH STREET, 3RD FLOOR NEW YORK, NY 10019 | EYEMED VISION CARE ON BEHALF OF STANDARD SECURITY LIFE INS. OF NY | $483 | $0 | $483 | 0.76% |
| ALLIANT INSURANCE SERVICES, INC.3 | 320 WEST 57TH STREET, 3RD FLOOR NEW YORK, NY 10019 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $174 | $0 | $174 | 5.63% |
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 | 650 | 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) | 650 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 968 | $6.0M |
| Dental(2 contracts, 2 carriers) | AETNA LIFE INSURANCE COMPANY | 968 | $6.0M |
| Vision | EYEMED VISION CARE ON BEHALF OF STANDARD SECURITY LIFE INS. OF NY | 983 | $64K |
| Life insurance(2 contracts, 2 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 650 | $348K |
| Short-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 650 | $345K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 650 | $345K |
| Prescription drug | AETNA LIFE INSURANCE COMPANY | 968 | $5.5M |
| Other(2 contracts, 2 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 650 | $348K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 983 | — |
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.