| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SAMUEL E MITCHELL & SON, INC.3 Filed as: SAMUEL E MITCHELL & SONS, INC. | 29 TRINITY ST. NEWTON, NJ 07860 | CIGNA HEALTH AND LIFE COMPANY | $28K | $0 | $28K | 11.59% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC. | 225 WIRELESS BLVD 2ND FLOOR HAUPPAUGE, NY 11788 | CIGNA HEALTH AND LIFE COMPANY | — | $11K | $11K | 4.63% |
| SAMUEL E MITCHELL & SON, INC.3 | 29 TRINITY ST NEWTON, NJ 07860 | CIGNA HEALTH AND LIFE INSURANCE AND AFFILIATES (CIGNA) | $5K | $0 | $5K | 7.63% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC. | 225 WIRELESS BLVD, 2ND FLOOR HAUPPAUGE, NY 11788 | CIGNA HEALTH AND LIFE INSURANCE AND AFFILIATES (CIGNA) | — | $2K | $2K | 3.31% |
| RED GATE GROUP LLC3 Filed as: RED GATE INSURANCE GROUP | 11 CATERET COURT MADISON, NJ 07940 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $542 | $3K | 11.72% |
| GARY A BOROWIEC3 | 21 COMMERCE DR SUITE 301 CRANFORD, NJ 07016 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $925 | $0 | $925 | 3.27% |
| DAVID T BUCKWALD3 | 21 COMMERCE DRIVE CRANFORD, NJ 07016 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $925 | $0 | $925 | 3.27% |
| RED GATE GROUP LLC3 Filed as: RED GATE INSURANCE GROUP | 11 CATERET COURT MADISON, NJ 07940 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $258 | $2K | 10.72% |
| GARY A BOROWIEC3 Filed as: GARY A BOROWLEC | 21 COMMERCE DR SUITE 301 CRANFORD, NJ 07016 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $450 | $0 | $450 | 3.00% |
| DAVID T BUCKWALD3 Filed as: DAVID T. BUCKWALD | 21 COMMERCE DRIVE CRANFORD, NJ 07016 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $450 | $0 | $450 | 3.00% |
| SAMUEL E MITCHELL & SON, INC.3 Filed as: SAMUEL E MITCHELL & SON, INC | 29 TRINITY ST NEWTON, NJ 07860 | CIGNA DENTAL HEALTH OF NEW JERSEY, INC | $292 | $0 | $292 | 10.01% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC. | 225 WIRELESS BLVD 2ND GLOOR HAUPPAUGE, NY 11788 | CIGNA DENTAL HEALTH OF NEW JERSEY, INC | $0 | $117 | $117 | 4.01% |
| SAMUEL E MITCHELL & SON, INC.3 Filed as: SAMUEL E MITCHELL & SON, INC | 29 TRINITY ST NEWTON, NJ 07860 | CIGNA DENTAL HEALTH OF PENNSYLVANIA, INC. | $125 | $0 | $125 | 10.03% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC. | 225 WIRELESS BLVD, 2ND FL HAUPPAUGE, NY 11788 | CIGNA DENTAL HEALTH OF PENNSYLVANIA, INC. | $0 | $50 | $50 | 4.01% |
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 | 108 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 108 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE COMPANY | 76 | $242K |
| Dental(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE AND AFFILIATES (CIGNA) | 74 | $69K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE AND AFFILIATES (CIGNA) | 74 | $65K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 108 | $28K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 108 | $15K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 108 | $28K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 108 | — |
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.
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.