| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE CAMPS GROUP LLC3 | C/O ALLIANT INSURANCE SERVICES, INC 320 WEST 57TH STREET, 3RD FLOOR NEW YORK, NY 10019 | OXFORD HEALTH INSURANCE, INC. | $105K | $8K | $113K | 4.29% |
| FNA INSURANCE SERVICES INC3 Filed as: FNA INSURANCE SERVICES INC. - GA | 100 WOODBURY ROAD SUITE 403, 4TH FLLOR WOODBURY, NY 11797 | OXFORD HEALTH INSURANCE, INC. | $0 | $58K | $58K | 2.19% |
| PROFESSIONAL GROUP MARKETING INC3 Filed as: PROFESSIONAL GROUP MARKETING | 50 BROADWAY 2ND FLOOR HAWTHORNE, NY 10532 | OXFORD HEALTH INSURANCE, INC. | $0 | $378 | $378 | 0.01% |
| ALLIANT INSURANCE SERVICES, INC.3 | 122 E. 42ND STREET, SUITE 1903 NEW YORK, NY 10168 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $15K | — | $15K | 6.00% |
| GA SOLUTIONS LLC3 Filed as: GA SOLUTIONS, LLC | 370 LEXINGTON AVENUE SUITE 703 NEW YORK, NY 10017 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $9K | $2K | $11K | 4.46% |
| PAYCHEX INSURANCE AGENCY, INC.3 Filed as: PAYCHEX INSURANCE AGENCY INC. | PO BOX 948 HENRIETTA, NY 14467 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | $1K | $6K | 2.44% |
| THE CAMPS GROUP LLC3 | 122 EAST 42ND STREET SUITE 1903 NEW YORK, NY 10168 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $6K | — | $6K | 2.98% |
| PROFESSIONAL GROUP MARKETING INC3 Filed as: PROFESSIONAL GROUP MARKETING INC. | 50 BROADWAY HAWTHORNE, NY 10532 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $3K | — | $3K | 1.39% |
| PAYCHEX INSURANCE AGENCY, INC.3 Filed as: PAYCHEX INSURANCE AGENCY INC. | PO BOX 948 HENRIETTA, NY 14467 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $2K | — | $2K | 1.01% |
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 | 525 | 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) | 525 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | OXFORD HEALTH INSURANCE, INC. | 0 | $2.8M |
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 511 | $242K |
| Life insurance | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 511 | $242K |
| Short-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 511 | $242K |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 511 | $242K |
| Other | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 511 | $242K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 511 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.