| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SMITH BROTHERS INSURANCE LLC3 Filed as: SMITH BROTHERS INSURANCE AGENCY | 68 NATIONAL DRIVE GLASTONBURY, CT 06033 | EXCELLUS BLUE CROSS BLUE SHIELD | $77K | — | $77K | 2.49% |
| SMITH BROTHERS INSURANCE LLC3 | 68 NATIONAL DRIVE GLASTONBURY, CT 06033 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $22 | $4K | 2.85% |
| EMERSON REID LLC3 | 669 RIVER DRIVE CENTER II SUITE 305 ELMWOOD PARK, NJ 07407 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $4K | $4K | 5.00% |
| SMITH BROTHERS INSURANCE LLC3 | 68 NATIONAL DRIVE, STE E GLASTONBURY, CT 06033 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 4.46% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 669 RIVER DRIVE CENTER II SUITE 305 ELMWOOD PARK, NJ 07407 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $2K | $2K | 2.67% |
| SMITH BROTHERS INSURANCE LLC3 | 68 NATIONAL DRIVE, STE E GLASTONBURY, CT 06033 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 6.93% |
| EMERSON REID LLC3 | 669 RIVER DRIVE CENTER II SUITE 305 ELMWOOD PARK, NJ 07407 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $2K | $2K | 5.00% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 669 RIVER DRIVE CENTER II SUITE 305 ELMWOOD PARK, NJ 07407 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $1K | $1K | 2.32% |
| SMITH BROTHERS INSURANCE LLC3 | 68 NATIONAL DRIVE, STE E GLASTONBURY, CT 06033 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $3K | — | $3K | 7.68% |
| EMERSON REID LLC3 | 669 RIVER DRIVE CENTER II SUITE 305 ELMWOOD PARK, NJ 07407 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | — | $2K | $2K | 5.00% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 669 RIVER RIVER DRIVE CENTER II SUITE 305 ELMWOOD PARK, NJ 07407 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | — | $1K | $1K | 2.85% |
| SMITH BROTHERS INSURANCE LLC3 | 68 NATIONAL DRIVE, STE E GLASTONBURY, CT 06033 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 10.71% |
| EMERSON REID LLC3 | 669 RIVER DRIVE CENTER II SUITE 305 ELMWOOD PARK, NJ 07407 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $2K | $2K | 5.00% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 669 RIVER DRIVE CENTER II SUITE 305 ELMWOOD PARK, NJ 07407 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $871 | $871 | 2.49% |
| SMITH BROTHERS INSURANCE LLC3 Filed as: SMITH BROTHERS INSURANCE | 68 NATIONAL DRIVE GLASTONBURY, CT 06033 | VISION SERVICE PLAN | $0 | $0 | $0 | 0.00% |
| SMITH BROTHERS INSURANCE LLC3 | 68 NATIONAL DRIVE, STE E GLASTONBURY, CT 06033 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 14.99% |
| EMERSON REID LLC3 | 669 RIVER DRIVE CENTER II SUITE 305 ELMWOOD PARK, NJ 07407 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $374 | $374 | 5.00% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 669 RIVER DRIVE CENTER II SUITE 305 ELMWOOD PARK, NJ 07407 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $184 | $184 | 2.46% |
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 | 142 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 10 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 152 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EXCELLUS BLUE CROSS BLUE SHIELD | 162 | $3.1M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 438 | $155K |
| Vision | VISION SERVICE PLAN | 162 | $16K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 211 | $87K |
| Short-term disability(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 110 | $85K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 183 | $35K |
| Prescription drug | EXCELLUS BLUE CROSS BLUE SHIELD | 162 | $3.1M |
| Other(2 contracts, 2 carriers) | MAGELLAN HEALTHCARE | 183 | $17K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 438 | — |
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.