| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CAMBRIDGE LIFE BROKERAGE LLC3 Filed as: CAMBRIDGE LIFE BROKERAGE, LLC | 875 AVENUE OF THE AMERICAS NEW YORK, NY 10001 | AETNA LIFE INSURANCE COMPANY | $716 | $71K | $72K | 3.12% |
| ASSUREDPARTNERS3 | ONE FINANCIAL PLAZA, 2ND FIOOR HARTFORD, CT 06103 | AETNA LIFE INSURANCE COMPANY | $0 | $24K | $24K | 1.06% |
| CAMBRIDGE LIFE BROKERAGE LLC3 Filed as: CAMBRIDGE LIFE BROKERAGE | 1 COPPERFIELD WAY MORRISTOWN, NJ 07960 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | $0 | $6K | 9.52% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | 669 RIVER DRIVE CENTER II ELMWOOD PARK, NJ 07407 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $4K | $4K | 6.10% |
| ASSUREDPARTNERS3 | ONE FINANCIAL PLAZA HARTFORD, CT 06103 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $0 | $1K | 1.61% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS | ONE FINANCIAL PLAZA HARTFORD, CT 06103 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $50 | — | $50 | 0.08% |
| CAMBRIDGE LIFE BROKERAGE LLC3 Filed as: CAMBRIDGE LIFE BROKERAGE, LLC | 1 COPPERFIELD WAY MORRISTOWN, NJ 07960 | VISION SERVICE PLAN | $623 | — | $623 | 5.55% |
| ASSUREDPARTNERS3 | ONE FINANCIAL PLAZA, 2ND FIOOR HARTFORD, CT 06103 | VISION SERVICE PLAN | $171 | — | $171 | 1.52% |
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 | 215 | 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) | 215 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 215 | $2.3M |
| Dental | AETNA LIFE INSURANCE COMPANY | 215 | $2.3M |
| Vision | VISION SERVICE PLAN | 129 | $11K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 215 | $62K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 215 | $62K |
| Prescription drug | AETNA LIFE INSURANCE COMPANY | 215 | $2.3M |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 215 | $62K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 215 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.