| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MARTIN INSURANCE GROUP3 | 259 PROSPECT PLAINS ROAD BUILDING F, SUITE 110 CRANBURY, NJ 08512 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $6K | $3K | $8K | 9.92% |
| CAMPBELL PETRIE, INC.3 | 570 W. MOUNT PLEASANT AVENUE LIVINGSTON, NJ 07039 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $490 | — | $490 | 0.59% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC. | 225 WIRELESS BOULEVARD 2ND FLOOR HAUPPAUGE, NY 11788 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $0 | $238 | $238 | 0.28% |
| MARTIN INSURANCE GROUP3 | 259 PROSPECT PLAINS ROAD BUILDING F, SUITE 110 CRANBURY, NJ 08512 | CIGNA DENTAL HEALTH OF NEW JERSEY, INC. | $367 | $210 | $577 | 10.12% |
| CAMPBELL PETRIE, INC.3 | 570 W. MOUNT PLEASANT AVENUE LIVINGSTON, NJ 07039 | CIGNA DENTAL HEALTH OF NEW JERSEY, INC. | $32 | — | $32 | 0.56% |
| 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 | $18 | $18 | 0.32% |
| MARTIN INSURANCE GROUP3 | 259 PROSPECT PLAINS ROAD BUILDING F, SUITE 110 CRANBURY, NC 08512 | CIGNA DENTAL HEALTH OF TEXAS, INC. | $126 | $72 | $198 | 10.12% |
| CAMPBELL PETRIE, INC.3 | 570 W. MOUNT PLEASANT AVENUE LIVINGSTON, NJ 07039 | CIGNA DENTAL HEALTH OF TEXAS, INC. | $11 | — | $11 | 0.56% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC. | 225 WIRELESS BLVD. 2ND FLOOR HAUPPAUGE, NY 11788 | CIGNA DENTAL HEALTH OF TEXAS, INC. | $0 | $6 | $6 | 0.31% |
| MARTIN INSURANCE GROUP3 | 259 PROSPECT PLAINS ROAD BUILDING F, SUITE 110 CRANBURY, NJ 08512 | CIGNA DENTAL HEALTH OF PENNSYLVANIA, INC. | $86 | $49 | $135 | 10.07% |
| CAMPBELL PETRIE, INC.3 | 570 W. MOUNT PLEASANT AVENUE LIVINGSTON, NJ 07039 | CIGNA DENTAL HEALTH OF PENNSYLVANIA, INC. | $7 | — | $7 | 0.52% |
| 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 | $4 | $4 | 0.30% |
| MARTIN INSURANCE GROUP3 | 259 PROSPECT PLAINS ROAD BUILDING F, SUITE 110 CRANBURY, NJ 08512 | CIGNA HEALTHCARE OF CONNECTICUT, INC. | $43 | $25 | $68 | 10.13% |
| CAMPBELL PETRIE, INC.3 | 570 W. MOUNT PLEASANT AVENUE LIVINGSTON, NJ 07039 | CIGNA HEALTHCARE OF CONNECTICUT, INC. | $4 | — | $4 | 0.60% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC. | 225 WIRELESS BLVD. 2ND FLOOR HAUPPAUGE, NY 11788 | CIGNA HEALTHCARE OF CONNECTICUT, INC. | $0 | $2 | $2 | 0.30% |
| MARTIN INSURANCE GROUP3 | 259 PROSPECT PLAINS ROAD BUILDING F, SUITE 110 CRANBURY, NJ 08512 | CIGNA DENTAL HEALTH OF CALIFORNIA, INC. | $22 | $12 | $34 | 10.15% |
| CAMPBELL PETRIE, INC.3 | 570 W. MOUNT PLEASANT AVENUE LIVINGSTON, NJ 07039 | CIGNA DENTAL HEALTH OF CALIFORNIA, INC. | $2 | — | $2 | 0.60% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC. | 225 WIRELESS BLVD. 2ND FLOOR HAUPPAUGE, NY 11788 | CIGNA DENTAL HEALTH OF CALIFORNIA, INC. | $0 | $1 | $1 | 0.30% |
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 | 118 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 120 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(6 contracts, 6 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 129 | $94K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 129 | $84K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 129 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.