| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CAMPBELL PETRIE, INC.3 | 570 W MOUNT PLEASANT AVE. SUITE 104 LIVINGSTON, NJ 07039 | PRINCIPAL LIFE INSURANCE COMPANY | $32K | $16K | $47K | 8.90% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD STE 200 HAUPPAUGE, NY 11788 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $21K | $21K | 4.03% |
| COBECON3 | 921 E FORT AVE. SUITE 325 BALTIMORE, MD 21202 | HCC LIFE INSURANCE COMPANY | $6K | — | $6K | 1.51% |
| CORESOURCE, INC.3 | 18401 MAPLE CREEK DRIVE SUITE 300 TINLEY PARK, IL 60477 | HCC LIFE INSURANCE COMPANY | $4K | — | $4K | 1.17% |
| BRUCE PETRIE3 | 570 W MOUNT PLEASANT AVENUE SUITE 104 LIVINGSTON, NJ 07039 | NORTHWESTERN MUTUAL | $2K | $503 | $3K | 6.19% |
| DANIEL CAMPBELL3 | 570 W MOUNT PLEASANT AVENUE SUITE 104 LIVINGSTON, NJ 07039 | NORTHWESTERN MUTUAL | $2K | $503 | $3K | 6.19% |
| NM MORRISTOWN NJ3 | 10 MADISON AVENUE, STE 3 MORRISTOWN, NJ 07960 | NORTHWESTERN MUTUAL | $967 | $85 | $1K | 2.43% |
| BRUCE PETRIE3 | 570 W MOUNT PLEASANT AVENUE SUITE 104 LIVINGSTON, NJ 07039 | NORTHWESTERN MUTUAL | $1K | $250 | $1K | 3.43% |
| DANIEL CAMPBELL3 | 570 W MOUNT PLEASANT AVENUE SUITE 104 LIVINGSTON, NJ 07039 | NORTHWESTERN MUTUAL | $1K | $250 | $1K | 3.43% |
| NM MORRISTOWN NJ3 | 10 MADISON AVENUE SUITE 3 MORRISTOWN, NJ 07960 | NORTHWESTERN MUTUAL | $480 | $42 | $522 | 1.34% |
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 | 465 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 472 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 1,031 | $530K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 1,031 | $530K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 1,031 | $530K |
| Short-term disability | NORTHWESTERN MUTUAL | 0 | $39K |
| Long-term disability | NORTHWESTERN MUTUAL | 0 | $43K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 409 | $368K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,031 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.