| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CAMPBELL PETRIE, INC.3 Filed as: CAMPBELL PETRIE INC | 570 W MOUNT PLEASANT AVE STE 104 LIVINGSTON, NJ 07039 | SUN LIFE ASSURANCE COMPANY OF CANADA | $7K | — | $7K | 2.95% |
| SEBS - THE OLSON FINANCIAL GROUP, L3 | 10 MADISON AVE PO BOX 1952 MORRISTOWN, NJ 07960 | SUN LIFE ASSURANCE COMPANY OF CANADA | $5K | — | $5K | 1.96% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD STE 200 HAUPPAUGE, NY 11788 | PRINCIPAL LIFE INSURANCE COMPANY | — | $10K | $10K | 6.29% |
| CAMPBELL PETRIE, INC.3 Filed as: CAMPBELL PETRIE INC | 570 W MOUNT PLEASANT AVE STE 104 LIVINGSTON, NJ 070391619 | PRINCIPAL LIFE INSURANCE COMPANY | $7K | $1K | $8K | 5.27% |
| SEBS - THE OLSON FINANCIAL GROUP, L3 | 10 MADISON AVE PO BOX 1952 MORRISTOWN, NJ 079601952 | PRINCIPAL LIFE INSURANCE COMPANY | $4K | $2K | $5K | 3.54% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD STE 200 HAUPPAUGE, NY 117880000 | CIGNA HEALTH AND LIFE INSURANCE COMPANU | — | $7K | $7K | 4.82% |
| CAMPBELL PETRIE, INC.3 Filed as: CAMPBELL PETRIE INC | 570 W MOUNT PLEASANT AVE STE 104 LIVINGSTON, NJ 07039 | CIGNA HEALTH AND LIFE INSURANCE COMPANU | $1K | — | $1K | 1.00% |
| SEBS - THE OLSON FINANCIAL GROUP, L3 | 10 MADISON AVE PO BOX 1952 MORRISTOWN, NJ 079601952 | CIGNA HEALTH AND LIFE INSURANCE COMPANU | $1K | — | $1K | 0.98% |
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 | 0 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 207 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 207 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANU | 207 | $146K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 269 | $155K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 269 | $155K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 192 | $241K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 269 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.