| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE CAMPS GROUP LLC3 Filed as: CAMPS GROUP LLC | 122 EAST 42ND STREET SUITE 1903 NEW YORK, NY 10168 | AETNA LIFE INSURANCE COMPANY | $36K | $12K | $48K | 5.18% |
| FNA INSURANCE SERVICES INC3 | 1000 WOODBURY ROAD SUITE 403 WOODBURY, NY 11797 | AETNA LIFE INSURANCE COMPANY | $9K | — | $9K | 0.97% |
| MIDDLEGATE INSURANCE AGENCY3 Filed as: MIDDLEGATE INSURANCE AGENCY LLC | 108 WEST 39TH STREET SUITE 305 NEW YORK, NY 10018 | UNION SECURITY LIFE INSURANCE COMPANY OF NEW YORK | $5K | — | $5K | 5.38% |
| GA SOLUTIONS LLC3 | 50 BROADWAY HAWTHORNE, NY 10532 | UNION SECURITY LIFE INSURANCE COMPANY OF NEW YORK | — | $5K | $5K | 5.00% |
| MIDDLEGATE INSURANCE AGENCY3 | 108 WEST 39TH STREET SUITE 305 NEW YORK, NY 10018 | AETNA LIFE INSURANCE COMPANY | $6K | — | $6K | 7.05% |
| THE CAMPS GROUP LLC3 Filed as: CAMPS GROUP LLC | 122 EAST 42ND STREET SUITE 1903 NEW YORK, NY 10168 | AETNA LIFE INSURANCE COMPANY | — | $3K | $3K | 3.45% |
| FIDUCIARY INTERMEDIARY LTD3 Filed as: FIDUCIARY INTERMEDIARY LIMITED | 370 LEXINGTON AVENUE SUITE 703 NEW YORK, NY 10017 | AETNA LIFE INSURANCE COMPANY | $3K | — | $3K | 3.02% |
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 | 338 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 338 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 270 | $926K |
| Dental | AETNA LIFE INSURANCE COMPANY | 338 | $91K |
| Vision | AETNA LIFE INSURANCE COMPANY | 276 | $5K |
| Life insurance | UNION SECURITY LIFE INSURANCE COMPANY OF NEW YORK | 168 | $92K |
| Long-term disability | UNION SECURITY LIFE INSURANCE COMPANY OF NEW YORK | 168 | $92K |
| Other | UNION SECURITY LIFE INSURANCE COMPANY OF NEW YORK | 168 | $92K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 338 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.