| 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 | $301K | $30K | $331K | 6.61% |
| THE CAMPS GROUP LLC3 | 122 EAST 42ND STREET NEW YORK, NY 10168 | DELTA DENTAL OF NEW YORK, INC. | $13K | — | $13K | 4.00% |
| THE CAMPS GROUP LLC3 Filed as: CAMPS GROUP LLC | 122 EAST 42ND STREET SUITE 1903 NEW YORK, NY 10168 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 2.72% |
| PROFESSIONAL GROUP MARKETING INC3 Filed as: PROFESSIONAL GROUP MARKETING, INC. | 50 BROADWAY HAWTHORNE, NY 10532 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 0.68% |
| PROFESSIONAL GROUP MARKETING INC3 | 50 BROADWAY SUITE 2 HAWTHORNE, NY 10532 | UNITEDHEALTHCARE INSURANCE COMPANY | $6K | — | $6K | 10.00% |
| THE CAMPS GROUP LLC3 Filed as: THE CAMPS GROUP | 122 EAST 42ND STREET SUITE 1903 NEW YORK, NY 10168 | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | $4K | — | $4K | 10.08% |
| THE CAMPS GROUP LLC3 | — | DELTA DENTAL OF NEW YORK, INC. | $1K | — | $1K | 3.58% |
| DANIELLE L SCHOFS3 | 225 EAST 84TH STREET APARTMENT 2C NEW YORK, NY 10028 | AFLAC | $2K | $16 | $2K | 14.15% |
| CHOO INC3 | 39 CENTRAL AVENUE 3RD FLOOR MONTCLAIR, NJ 07042 | AFLAC | $743 | $6 | $749 | 5.54% |
| PATRICK RUHLE3 Filed as: PATRICK C HARDIE | 14 WALL STREET SUITE 8C NEW YORK, NY 10005 | AFLAC | $543 | $6 | $549 | 4.06% |
| TIMONTHY C CAVAZOS3 | 401 FRANKLIN AVENUE SUITE 312 GARDEN CITY, NY 11530 | AFLAC | $266 | — | $266 | 1.97% |
| THE CAMPS GROUP LLC3 | 122 EAST 42ND STREET NEW YORK, NY 10168 | AFLAC | $158 | — | $158 | 1.17% |
| DOUGLAS MEIER3 Filed as: DOUGLAS R MEIER | 23 ROCKLEDGE TERRACE POMPTON PLAINS, NJ 07444 | AFLAC | $108 | — | $108 | 0.80% |
| ROCO SOLUTIONS LLC3 | 52 SUSAN DRIVE NEWBURGH, NY 12550 | AFLAC | $83 | — | $83 | 0.61% |
| J G DENIVO CORP3 | 214-25 42ND AVENUE 4TH FLOOR BAYSIDE, NY 11361 | AFLAC | $77 | — | $77 | 0.57% |
| HAMILTON CAVANAUGH INC3 | 661 NORTH BROADWAY NORTH WHITE PLAINS, NY 10603 | AFLAC | $74 | — | $74 | 0.55% |
| KENNETH C MEIER CORP3 | 401 FRANKLIN AVENUE SUITE 312 GARDEN CITY, NY 11530 | AFLAC | $60 | $6 | $66 | 0.49% |
| KIMBERLY O DEMETRI3 Filed as: KIMBERLY DEMETRI | 420 EAST 80TH STREET APARTMENT 1A NEW YORK, NY 10075 | AFLAC | $55 | — | $55 | 0.41% |
| WENDY CALIENDO3 | 1036 MAGGIE ROAD NEWBURGH, NY 12550 | AFLAC | $39 | — | $39 | 0.29% |
| STEPHEN WHITE3 | 214 25 42ND AVENUE 4TH FLOOR BAYSIDE, NY 11361 | AFLAC | $35 | — | $35 | 0.26% |
| TREVOR FENNELL3 | 820 NORTH ORLEANS STREET SUITE 405 CHICAGO, IL 60610 | AFLAC | $26 | $6 | $32 | 0.24% |
| JASON SCZEPANIAK3 Filed as: JASON HARTMAN | 225 DOLSON AVENUE SUITE 304 MIDDLETON, NY 10940 | AFLAC | $27 | — | $27 | 0.20% |
| MCINERNEY GROUP LLC3 | 580 WHITE PLAINS ROAD SUITE 600 TARRYTOWN, NY 10591 | AFLAC | $20 | — | $20 | 0.15% |
| LILLIAN TOMPKINS3 | 100 STONY BROOK COURT NEWBURGH, NY 12550 | AFLAC | $17 | — | $17 | 0.13% |
| KOBER ASSOCIATES LLC3 | 214-25 42ND AVENUE 4TH FLOOR BAYSIDE, NY 11361 | AFLAC | $13 | — | $13 | 0.10% |
| KOBER ASSOCIATES LLC3 | 14107 20TH AVENUE SUITE 507 WHITESTONE, NY 11357 | AFLAC | $9 | — | $9 | 0.07% |
| MICHAEL WELLING3 | MERIDIAN RISK MANAGEMENT PO BOX 8419 PELHAM, NY 10803 | AFLAC | $9 | — | $9 | 0.07% |
| KATHERINE KILPATRICK3 | PO BOX 6824 ST THOMAS, VI 00804 | AFLAC | $1 | — | $1 | 0.01% |
| BEACON WORKSITE LLC3 | — | WILTON REASSURANCE LIFE COMPANY OF NEW YORK | $62 | — | $62 | 2.07% |
| PRIMERICA3 | 1 PRIMERICA PARKWAY DULUTH, GA 30099 | PRE-PAID LEGAL SERVICES, INC DBA LEGALSHIELD | $368 | — | $368 | 19.23% |
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 | 614 | 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) | 614 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 800 | $5.0M |
| Dental(2 contracts) | DELTA DENTAL OF NEW YORK, INC. | 403 | $347K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 306 | $60K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 614 | $238K |
| Short-term disability | AFLAC | 15 | $14K |
| Long-term disability | CIGNA LIFE INSURANCE COMPANY OF NEW YORK | 614 | $39K |
| Other(5 contracts, 5 carriers) | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 614 | $307K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 800 | — |
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.