| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SAMUEL E MITCHELL & SON, INC.3 | 29 TRINITY ST NEWTON, NJ 07860 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $36K | $0 | $36K | 9.46% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC. | 225 WIRELESS BLVD 2ND FLOOR HAUPPAUGE, NY 11788 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $14K | $14K | 3.78% |
| SAMUEL E MITCHELL & SON, INC.3 | 29 TRINITY ST NEWTON, NJ 07860 | CIGNA HEALTH AND LIFE INSURANCE COMPANY (CIGNA) | $5K | $0 | $5K | 7.69% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC | 225 WIRELESS BLVD 2ND FLOOR HAUPPAUGE, NY 11788 | CIGNA HEALTH AND LIFE INSURANCE COMPANY (CIGNA) | $0 | $2K | $2K | 3.24% |
| RED GATE GROUP LLC3 Filed as: RED GATE INSURANCE GROUP | 11 CATERET COURT MADISON, NJ 07940 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $0 | $3K | 9.00% |
| GARY A BOROWIEC3 | 21 COMMERCE DR SUITE 301 CRANFORD, NJ 07016 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $858 | $0 | $858 | 3.00% |
| DAVID T BUCKWALD3 | 21 COMMERCE DRIVE CRANFORD, NJ 07016 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $858 | $0 | $858 | 3.00% |
| RED GATE GROUP LLC3 Filed as: RED GATE INSURANCE GROUP | 11 CATERET COURT MADISON, NJ 07940 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $0 | $1K | 9.00% |
| GARY A BOROWIEC3 | 21 COMMERCE DR SUITE 301 CRANFORD, NJ 07016 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $474 | $0 | $474 | 3.00% |
| DAVID T BUCKWALD3 | 21 COMMERCE DRIVE CRANFORD, NJ 07016 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $474 | $0 | $474 | 3.00% |
| SAMUEL E MITCHELL & SON, INC.3 | 29 TRINITY ST NEWTON, NJ 07860 | CIGNA DENTAL HEALTH OF NEW JERSEY, INC. | $301 | $0 | $301 | 10.00% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC | 225 WIRELESS BLVD 2ND FLOOR HAUPPAUGE, NY 11788 | CIGNA DENTAL HEALTH OF NEW JERSEY, INC. | $0 | $120 | $120 | 3.99% |
| RED GATE GROUP LLC3 Filed as: RED GATE INSURANCE GROUP | 11 CATERET COURT MADISON, NJ 07940 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $243 | $0 | $243 | 9.01% |
| GARY A BOROWIEC3 | 21 COMMERCE DR SUITE 301 CRANFORD, NJ 07016 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $81 | $0 | $81 | 3.00% |
| DAVID T BUCKWALD3 | 21 COMMERCE DR SUITE 301 CRANFORD, NJ 07016 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $81 | $0 | $81 | 3.00% |
| SAMUEL E MITCHELL & SON, INC.3 | 29 TRINITY ST NEWTON, NJ 07860 | CIGNA DENTAL HEALTH OF PENNSYLVANIA, INC. | $140 | $0 | $140 | 10.00% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC. | 225 WIRELESS BLVD 2ND FLOOR HAUPPAUGE, NY 11788 | CIGNA DENTAL HEALTH OF PENNSYLVANIA, INC. | $0 | $56 | $56 | 4.00% |
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 | 112 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 112 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 115 | $376K |
| Dental(3 contracts, 3 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY (CIGNA) | 74 | $74K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY (CIGNA) | 74 | $70K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 112 | $29K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 112 | $16K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 112 | $3K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 115 | — |
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.