| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE CAMPS GROUP LLC3 Filed as: THE CAMPS GROUP, LLC | UNKNOWN NEW YORK, NY 10019 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $200K | — | $200K | 3.68% |
| PROFESSIONAL GROUP MARKETING INC3 Filed as: PROFESSIONAL GROUP MARKETING, INC. | 50 BROADWAY, 2ND FLOOR HAWTHORNE, NY 10532 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | — | $132K | $132K | 2.43% |
| ALLIANT INSURANCE SERVICES, INC.3 | 320 WEST 57TH STREET NEW YORK, NY 10019 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $58K | — | $58K | 1.06% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 62939 VIRGINIA BEACH, VA 23466 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | $39K | — | $39K | 0.71% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC. | 669 RIVER DRIVE, SUITE 305 ELMWOOD PARK, NJ 07407 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | — | $11K | $11K | 0.20% |
| THE CAMPS GROUP LLC3 Filed as: THE CAMPS GROUP, LLC | 122 EAST 4ND STREET, SUITE 1903 NEW YORK, NY 10168 | WESCO INSURANCE COMPANY | $7K | — | $7K | 2.82% |
| ALLIANT INSURANCE SERVICES, INC.3 | 320 WEST 57TH STREET NEW YORK, NY 10019 | WESCO INSURANCE COMPANY | $6K | — | $6K | 2.30% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 261 MADISON AVENUE, 5TH FLOOR NEW YORK, NY 10016 | WESCO INSURANCE COMPANY | $6K | — | $6K | 2.30% |
| THE CAMPS GROUP LLC3 Filed as: THE CAMPS GROUP, LLC | 320 WEST 57TH STREET, 3RD FLOOR NEW YORK, NY 10019 | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | $7K | — | $7K | 4.62% |
| PROFESSIONAL GROUP MARKETING INC3 Filed as: PROFESSIONAL GROUP MARKETING, INC. | 50 BROADWAY, 2ND FLOOR HAWTHORNE, NY 10532 | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | — | $6K | $6K | 3.59% |
| ALLIANT INSURANCE SERVICES, INC.3 | 701 B STREET, 6TH FLOOR SAN DIEGO, CA 92101 | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | $5K | — | $5K | 3.16% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | PO BOX 62939 VIRGINIA BEACH, VA 23466 | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | $2K | — | $2K | 1.06% |
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 | 2,755 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 318 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 3,073 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 771 | $5.4M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 771 | $5.4M |
| Vision | EYEMED | 925 | $47K |
| Life insurance | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | 878 | $158K |
| Short-term disability | WESCO INSURANCE COMPANY | 2,719 | $253K |
| Long-term disability | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | 878 | $158K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 771 | $5.4M |
| Other(3 contracts, 3 carriers) | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | 2,755 | $294K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,755 | — |
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.