| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CAMBRIDGE LIFE BROKERAGE LLC3 | 875 AVENUE OF THE AMERICAS 350 FIFTH AVENUE, SUITE 801 NEW YORK, NY 10001 | AETNA LIFE INSURANCE COMPANY | $4K | — | $4K | 0.20% |
| CAMBRIDGE LIFE BROKERAGE LLC3 | 1 COPPERFIELD WAY MORRISTOWN, NJ 07960 | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | $4K | — | $4K | 10.83% |
| EMERSON REID LLC3 | 669 RIVER DRIVE CENTER II SUITE 305 ELMWOOD PARK, NJ 07407 | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | $2K | $128 | $2K | 5.42% |
| CAMBRIDGE LIFE BROKERAGE LLC3 | 1 COPPERFIELD WAY MORRISTOWN, NJ 07960 | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | $3K | — | $3K | 14.94% |
| EMERSON REID LLC3 | 669 RIVER DRIVE CENTER II SUITE 305 ELMWOOD PARK, NJ 07407 | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | $1K | $97 | $1K | 5.00% |
| CAMBRIDGE LIFE BROKERAGE LLC3 | 1 COPPERFIELD WAY MORRISTOWN, NJ 07960 | VSP VISION CARE | $860 | — | $860 | 7.56% |
| CAMBRIDGE LIFE BROKERAGE LLC3 | 1 COPPERFIELD WAY MORRISTOWN, NJ 07960 | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | $301 | — | $301 | 10.82% |
| EMERSON REID LLC3 | 669 RIVER DRIVE CENTER II SUITE 305 ELMWOOD PARK, NJ 07407 | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | $140 | $11 | $151 | 5.43% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CAMBRIDGE LIFE BROKERAGE LLC BROKER | Contract Administrator; Direct payment from the plan; Claims processing; Other services Service code 12 | 875 AVENUE OF THE AMERICAS NEW YORK, NY 10001 | $84K |
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 | 244 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 244 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 244 | $2.0M |
| Dental | AETNA LIFE INSURANCE COMPANY | 244 | $2.0M |
| Vision | VSP VISION CARE | 129 | $11K |
| Life insurance | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | 0 | $33K |
| Long-term disability | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | 0 | $23K |
| Other | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | 0 | $3K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 244 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.