| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CAMPBELL PETRIE, INC.3 | 1460 US HIGHWAY 9 NORTH STE 200 WOODBRIDGE, NJ 07095 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $5K | $388 | $5K | 7.93% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC. | 225 WIRELESS BOULEVARD 2ND FLOOR HAUPPAUGE, NY 11788 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $2K | $2K | 3.77% |
| CAMPBELL PETRIE, INC.3 | 1460 US HIGHWAY 9 NORTH STE 200 WOODBRIDGE, NJ 07095 | CIGNA DENTAL HEALTH OF NEW JERSEY, INC. | $379 | — | $379 | 7.00% |
| 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. | — | $217 | $217 | 4.01% |
| CAMPBELL PETRIE, INC.3 | 1460 US HIGHWAY 9 NORTH WOODBRIDGE, NJ 07095 | CIGNA DENTAL HEALTH OF TEXAS, INC. | $92 | — | $92 | 7.03% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC. | 225 WIRELESS BLVD. 2ND FLOOR HAUPPAUGE, NY 11788 | CIGNA DENTAL HEALTH OF TEXAS, INC. | — | $52 | $52 | 3.98% |
| CAMPBELL PETRIE, INC.3 | 1460 US HIGHWAY 9 NORTH STE 200 WOODBRIDGE, NJ 07095 | CIGNA HEALTHCARE OF CONNECTICUT, INC. | $61 | — | $61 | 7.00% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC. | 225 WIRELESS BLVD. 2ND FLOOR HAUPPAUGE, NY 11788 | CIGNA HEALTHCARE OF CONNECTICUT, INC. | — | $35 | $35 | 4.01% |
| CAMPBELL PETRIE, INC.3 | 1460 US HIGHWAY 9 NORTH STE 200 WOODBRIDGE, NJ 07095 | CIGNA DENTAL HEALTH OF CALIFORNIA, INC. | $61 | — | $61 | 7.00% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC. | 225 WIRELESS BLVD. 2ND FLOOR HAUPPAUGE, NY 11788 | CIGNA DENTAL HEALTH OF CALIFORNIA, INC. | — | $35 | $35 | 4.01% |
| CAMPBELL PETRIE, INC.3 | 1460 US HIGHWAY 9 NORTH STE 200 WOODBRIDGE, NJ 07095 | CIGNA DENTAL HEALTH OF FLORIDA, INC. | $31 | — | $31 | 7.11% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC. | 225 WIRELESS BLVD. 2ND FLOOR HAUPPAUGE, NY 11788 | CIGNA DENTAL HEALTH OF FLORIDA, INC. | — | $17 | $17 | 3.90% |
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 | 97 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 98 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(6 contracts, 6 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 99 | $72K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 99 | $63K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 99 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.