| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD HAUPPAUGE, NY 11788 | HORIZON HEALTHCARE SERVICES, INC. | $39K | $8K | $47K | 5.85% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD HAUPPAUGE, NY 11788 | HORIZON HEALTHCARE SERVICES, INC. | $10K | $2K | $12K | 5.85% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA MITCHELL INSURANCE | AGENCY 29 TRINITY STREET NEWTON, NJ 07860 | DELTA DENTAL OF NEW JERSEY, INC. | $6K | — | $6K | 11.26% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC. | 225 WIRELESS BLVD 2ND FLOOR HAUPPAUGE, NJ 11788 | DELTA DENTAL OF NEW JERSEY, INC. | $2K | — | $2K | 4.40% |
| RED GATE GROUP LLC3 Filed as: RED GATE INSURANCE GROUP | 11 CATERET COURT MADISON, NJ 07940 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | — | $6K | 16.18% |
| RED GATE GROUP LLC3 Filed as: RED GATE INSURANCE GROUP | 11 CATERET COURT MADISON, NJ 07940 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 16.22% |
| ACRISURE LLC3 | 29 TRINITY STREET NEWTON, NJ 07860 | VISION SERVICE PLAN | $660 | — | $660 | 8.05% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS | 225 WIRELESS BLVD FL 2 HAUPPAUGE, NY 11788 | VISION SERVICE PLAN | $411 | — | $411 | 5.01% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA | THE MITCHELL INSURANCE AGENCY 29 TRINITY STREET NEWTON, NJ 07860 | ALPHA DENTAL PROGRAMS, INC. | $95 | — | $95 | 2.99% |
| RED GATE GROUP LLC3 Filed as: RED GATE INSURANCE GROUP | 11 CATERET COURT MADISON, NJ 07940 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $497 | — | $497 | 16.22% |
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 | 104 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 104 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HORIZON HEALTHCARE SERVICES, INC. | 61 | $803K |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF NEW JERSEY, INC. | 120 | $55K |
| Vision | VISION SERVICE PLAN | 62 | $8K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 104 | $36K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 104 | $18K |
| Prescription drug | HORIZON HEALTHCARE SERVICES, INC. | 61 | $212K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 104 | $3K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 120 | — |
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.