| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE CAMPS GROUP LLC3 | 122 EAST 42ND STREET SUITE 1903 NEW YORK, NY 10168 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $140K | — | $140K | 3.90% |
| PROFESSIONAL GROUP MARKETING INC3 Filed as: PROFESSIONAL GROUP MARKETING, INC. | 50 BROADWAY 2ND FLOOR HAWTHORNE, NY 10532 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $40K | — | $40K | 1.10% |
| THE CAMPS GROUP LLC3 | 122 EAST 42ND STREET ROOM 1903 NEW YORK, NY 10168 | UNITEDHEALTHCARE INSURANCE COMPANY | $5K | — | $5K | 2.74% |
| THE CAMPS GROUP LLC3 | 122 EAST 42ND STREET SUITE 1903 NEW YORK, NY 10168 | FIRST UNUM LIFE INSURANCE COMPANY | $4K | — | $4K | 7.01% |
| LIFE DISABILITY ADMINISTRATIVE CONS3 Filed as: LIFE/DISABILITY ADMINISTRATIVE | 1010 NORTHERN BLVD STE 324 GREAT NECK, NY 11021 | FIRST UNUM LIFE INSURANCE COMPANY | — | $2K | $2K | 3.15% |
| PROFESSIONAL GROUP MARKETING INC3 Filed as: PROFESSIONAL GROUP MARKETING | 50 BROADWAY HAWTHORNE, NY 10532 | FIRST UNUM LIFE INSURANCE COMPANY | — | $1K | $1K | 1.85% |
| THE CAMPS GROUP LLC3 Filed as: THE CAMPS GROUP INC | 122 EAST 42ND STREET SUITE 1903 NEW YORK, NY 10168 | HM LIFE INSURANCE COMPANY | $815 | — | $815 | 5.00% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 320 W 57TH ST 5TH FLR NEW YORK, NY 10019 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 15.00% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | 320 W 57TH ST 5TH FLR NEW YORK, NY 10019 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 15.00% |
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 | 601 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 18 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 628 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 377 | $3.6M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 561 | $199K |
| Vision | HM LIFE INSURANCE COMPANY | 400 | $16K |
| Life insurance(2 contracts, 2 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 494 | $72K |
| Long-term disability(2 contracts, 2 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 494 | $71K |
| Other(2 contracts, 2 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 494 | $72K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 561 | — |
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.