| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ALLIANT INSURANCE SERVICES, INC.3 | 222 BLOOMINGDALE ROAD, SUITE 402 WHITE PLAINS, NY 10605 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $103K | — | $103K | 1.77% |
| THE CAMPS GROUP LLC3 Filed as: THE CAMPS GROUP, LLC | 122 EAST 42ND STREET, SUITE 1903 NEW YORK, NY 10168 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $61K | — | $61K | 1.05% |
| PROFESSIONAL GROUP MARKETING INC3 Filed as: PROFESSIONAL GROUP MARKETING, INC. | 50 BROADWAY, 2ND FLOOR HAWTHORNE, NY 10532 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $19K | — | $19K | 0.32% |
| ALLIANT INSURANCE SERVICES, INC.3 | 320 WEST 57TH STREET, 3RD FLOOR NEW YORK, NY 10019 | UNITEDHEALTHCARE INSURANCE COMPANY | $8K | — | $8K | 3.73% |
| THE CAMPS GROUP LLC3 Filed as: THE CAMPS GROUP, LLC | 122 EAST 42ND STREET, SUITE 1903 NEW YORK, NY 10168 | UNITEDHEALTHCARE INSURANCE COMPANY | -$2K | — | -$2K | -1.08% |
| ALLIANT INSURANCE SERVICES, INC.3 | 320 WEST 57TH STREET, 5TH FLOOR NEW YORK, NY 10019 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $18K | $568 | $19K | 15.46% |
| THE CAMPS GROUP LLC3 Filed as: THE CAMPS GROUP, LLC | 122 EAST 42ND STREET, SUITE 1903 NEW YORK, NY 10168 | HM LIFE INSURANCE COMPANY | $1K | — | $1K | 5.00% |
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 | 828 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 828 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 1,172 | $5.8M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 605 | $216K |
| Vision | HM LIFE INSURANCE COMPANY | 434 | $21K |
| Life insurance | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 482 | $123K |
| Long-term disability | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 482 | $123K |
| Prescription drug | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 1,172 | $5.8M |
| Other | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 482 | $123K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,172 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.