| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE CAMPS GROUP LLC3 | 320 WEST 57TH STREET 3RD FLOOR NEW YORK, NY 10019 | OXFORD HEALTH INSURANCE, INC | $62K | — | $62K | 3.89% |
| ACRISURE LLC3 Filed as: ACRISURE PGM INSURANCE SERVICS, LLC | 50 BROADWAY HAWTHORNE, NY 10532 | OXFORD HEALTH INSURANCE, INC | — | $15K | $15K | 0.91% |
| PROFESSIONAL GROUP MKTG3 | 50 BROADWAY 2ND FLOOR HAWTHORNE, NY 10532 | OXFORD HEALTH INSURANCE, INC | — | $2K | $2K | 0.15% |
| GA SOLUTIONS LLC3 | 50 BROADWAY SUITE 2 HAWTHORNE, NY 10532 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | — | $8K | 5.46% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INS SERVICES INC | 101 PARK AVENUE FLOOR 12 NEW YORK, NY 10178 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $84 | $4K | 3.00% |
| PROFESSIONAL GROUP MARKETING INC3 | 50 BROADWAY HAWTHORNE, NY 10532 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | — | $4K | 2.94% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INS SERVICES INC | 5444 WESTHEIMER ROAD SUITE 900 HOUSTON, TX 77056 | METROPOLITAN LIFE INSURANCE COMPANY | — | $863 | $863 | 0.63% |
| ALLIANT INSURANCE SERVICES, INC.3 Filed as: ALLIANT INSURANCE SERVICES INC | — | EMBLEMHEALTH | $2K | — | $2K | 3.35% |
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 | 504 | 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) | 504 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | OXFORD HEALTH INSURANCE, INC | 149 | $1.7M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 504 | $138K |
| Vision | EYEMED VISION CARE | 56 | $4K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 504 | $138K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 504 | $138K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 504 | — |
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.