| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CAMBRIDGE LIFE BROKERAGE LLC3 | 875 AVENUE OF THE AMERICAS NEW YORK, NY 10001 | AETNA LIFE INSURANCE CO AND AFFILIATES | $4K | — | $4K | 0.18% |
| CAMBRIDGE LIFE BROKERAGE LLC3 | 1 COPPERFIELD WAY MORRISTOWN, NJ 07960 | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | $3K | — | $3K | 10.00% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 669 RIVER DRIVE CENTER II SUITE 305 ELMWOOD PARK, NJ 07407 | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | $435 | $2K | $2K | 7.36% |
| CAMBRIDGE LIFE BROKERAGE LLC3 | 1 COPPERFIELD WAY MORRISTOWN, NJ 07960 | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | $3K | — | $3K | 13.23% |
| EMERSON REID LLC3 Filed as: EMERSON RIOGERS | 669 RIVER DRIVE CENTER II SUITE 305 ELMWOOD PARK, NJ 07407 | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | $290 | $1K | $2K | 7.48% |
| CAMBRIDGE LIFE BROKERAGE LLC3 | 1 COPPERFIELD WAY MORRISTOWN, NJ 07960 | VISION SERVICE PLAN | $796 | — | $796 | 7.05% |
| CAMBRIDGE LIFE BROKERAGE LLC3 | 1 COPPERFIELD WAY MORRISTOWN, NJ 07960 | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | $289 | — | $289 | 10.00% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 669 RIVER DRIVE CENTER II SUITE 305 ELMWOOD PARK, NJ 07407 | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | $37 | $176 | $213 | 7.37% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CAMBRIDGE LIFE BROKERAGE LLC 96278 | Direct payment from the plan; Other services; Contract Administrator; Claims processing Service code 12 | 875 AVENUE OF THE AMERICAS NEW YORK, NY 10001 | $0 |
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 | 233 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 233 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO AND AFFILIATES | 233 | $2.2M |
| Dental | AETNA LIFE INSURANCE CO AND AFFILIATES | 233 | $2.2M |
| Vision | VISION SERVICE PLAN | 128 | $11K |
| Other(3 contracts) | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | 0 | $60K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 233 | — |
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 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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.