| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE CAMPS GROUP LLC3 | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $299K | — | $299K | 4.65% |
| PROFESSIONAL GROUP MARKETING INC3 | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | — | $150K | $150K | 2.32% |
| THE CAMPS GROUP LLC3 | — | DELTA DENTAL OF NEW YORK | $32K | — | $32K | 5.00% |
| THE CAMPS GROUP LLC3 | 122 EAST 42ND STREET SUITE 1903 NEW YORK, NY 10168 | WESCO INSURANCE COMPANY | $9K | — | $9K | 7.89% |
| THE CAMPS GROUP LLC3 | 122 EAST 42ND STREET SUITE 1903 NEW YORK, NY 10168 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $3K | — | $3K | 4.28% |
| PROFESSIONAL GROUP MARKETING INC3 Filed as: PROFESSIONAL GROUP MARKETING | 50 BROADWAY 2ND FLOOR HAWTHRONE, NY 10532 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $3K | $3K | 4.26% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INS SERVICES INC | 701 B STREET 6TH FLOOR SAN DIEGO, CA 92101 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $2K | $2K | 2.38% |
| THE CAMPS GROUP LLC3 | 122 EAST 42ND STREET NEW YORK, NY 10168 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $6K | — | $6K | 12.71% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 701 B STREET 6TH FLOOR SAN DIEGO, CA 92101 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $1K | $1K | 2.58% |
| THE CAMPS GROUP LLC3 | 122 EAST 42ND STREET SUITE 1903 NEW YORK, NY 10168 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | $4K | — | $4K | 9.19% |
| PROFESSIONAL GROUP MARKETING INC3 Filed as: PROFESSIONAL GROUP MARKETING | 50 BROADWAY 2ND FLOOR HAWTHRONE, NY 10532 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $2K | $2K | 4.26% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INS SERVICES INC | 701 B STREET 6TH FLOOR SAN DIEGO, CA 92101 | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | — | $951 | $951 | 2.34% |
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 | 2,705 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 320 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,025 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,004 | $6.4M |
| Dental | DELTA DENTAL OF NEW YORK | 747 | $631K |
| Vision(2 contracts, 2 carriers) | EYEMED VISION CARE | 840 | $45K |
| Life insurance | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 856 | $72K |
| Short-term disability | WESCO INSURANCE COMPANY | 2,669 | $117K |
| Long-term disability | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 546 | $41K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 1,004 | $6.4M |
| Other(4 contracts, 3 carriers) | LINCOLN LIFE & ANNUITY COMPANY OF NEW YORK | 2,670 | $154K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,670 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.