| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE CAMPS GROUP LLC3 Filed as: CAMPS GROUP LLC | 122 EAST 42ND STREET, SUITE 1903 NEW YORK, NY 10168 | AETNA LIFE INSURANCE COMPANY | $154K | $14K | $167K | 6.64% |
| THE CAMPS GROUP LLC3 | 320 W 57TH STREET FL 3 NEW YORK, NY 100193705 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | — | $12K | 12.08% |
| GA SOLUTIONS LLC3 | 50 BROADWAY STE 2 HAWTHORNE, NY 105321253 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $2K | $7K | 6.86% |
| THE CAMPS GROUP LLC3 Filed as: CAMPS GROUP LLC | 122 EAST 42ND STREET, SUITE 1903 NEW YORK, NY 10168 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 12.38% |
| PROFESSIONAL GROUP MARKETING INC3 | 50 BROADWAY HAWTHORNE, NY 10532 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 10.68% |
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 | 326 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 326 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 326 | $2.5M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 169 | $96K |
| Life insurance(2 contracts) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 211 | $72K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 211 | $56K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 326 | — |
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.