| 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 | $29K | $37K | $66K | 14.05% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD STE 200 HAUPPAUGE, NY 11788 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $14K | $14K | 3.00% |
| CAMPBELL PETRIE, INC.3 Filed as: CAMPBELL PETRIE INC | 570 W MOUNT PLEASANT AVENUE SUITE 104 LIVINGSTON, NJ 070391619 | PRINCIPAL LIFE INSURANCE COMPANY | $7K | — | $7K | 6.62% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC. | 225 WIRELESS BLVD. SUITE 200 HAUPPAUGE, NY 11788 | PRINCIPAL LIFE INSURANCE COMPANY | $0 | $3K | $3K | 3.00% |
| BRUCE PETRIE3 | 570 W MOUNT PLEASANT AVENUE SUITE 104 LIVINGSTON, NJ 07039 | NORTHWESTERN MUTUAL | $2K | $440 | $2K | 5.23% |
| DANIEL CAMPBELL3 | 570 W MOUNT PLEASANT AVENUE SUITE 104 LIVINGSTON, NJ 07039 | NORTHWESTERN MUTUAL | $2K | $440 | $2K | 5.23% |
| NM MORRISTOWN NJ3 | 10 MADISON AVENUE, STE 301 MORRISTOWN, NJ 07960 | NORTHWESTERN MUTUAL | $847 | $75 | $922 | 2.06% |
| BRUCE PETRIE3 | 570 W MOUNT PLEASANT AVENUE SUITE 104 LIVINGSTON, NJ 07039 | NORTHWESTERN MUTUAL | $957 | $221 | $1K | 3.24% |
| DANIEL CAMPBELL3 | 570 W MOUNT PLEASANT AVENUE SUITE 104 LIVINGSTON, NJ 07039 | NORTHWESTERN MUTUAL | $957 | $221 | $1K | 3.24% |
| NM MORRISTOWN NJ3 | 10 MADISON AVENUE SUITE 301 MORRISTOWN, NJ 07960 | NORTHWESTERN MUTUAL | $425 | $37 | $462 | 1.27% |
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 | 461 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 470 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts) | PRINCIPAL LIFE INSURANCE COMPANY | 1,014 | $573K |
| Vision(2 contracts) | PRINCIPAL LIFE INSURANCE COMPANY | 1,014 | $573K |
| Life insurance(2 contracts) | PRINCIPAL LIFE INSURANCE COMPANY | 1,014 | $573K |
| Short-term disability | NORTHWESTERN MUTUAL | 168 | $36K |
| Long-term disability | NORTHWESTERN MUTUAL | 168 | $45K |
| Stop-loss / reinsurancereinsurance | WESTPORT INSURANCE CORPORATION | 440 | $313K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,014 | — |
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.