| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COBB B LLC3 Filed as: COBB B LLC DBA LAMB FINANCIAL GROUP | 1385 HWY 35 PMB 170 MIDDLETOWN, NJ 07748 | OXFORD HEALTH INSURANCE INC. | $56K | — | $56K | 3.98% |
| COBB LLC DBA LAMB FINANCIAL GROUP3 | 1385 HWY 35 PMB 170 MIDDLETOWN, NJ 07748 | OXFORD HEALTH INSURANCE INC. | $45K | — | $45K | 3.21% |
| EMERSON REID LLC3 | 1305 WALT WHITMAN RD STE 310 MELVILLE, NY 11747 | OXFORD HEALTH INSURANCE INC. | — | $19K | $19K | 1.37% |
| ACRISURE LLC3 Filed as: ACRISURE LLC (CUA) | PO BOX 1788 GRAND RAPIDS, MI 49501 | OXFORD HEALTH INSURANCE INC. | — | $4K | $4K | 0.30% |
| EMERSON REID LLC3 | 167 ARCHER RD FACTORYVILLE, PA 18419 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $8K | — | $8K | 11.00% |
| COBB B LLC3 Filed as: COBB B DBA LAMB FINANCIAL GROUP | 145 W 45TH ST STE 602 NEW YORK, NY 10036 | FIRST UNUM LIFE INSURANCE COMPANY | $975 | — | $975 | 12.48% |
| COBB B LLC3 Filed as: COBB B LLC DBA LAMB FINANCIAL GROUP | 145 W 45TH ST STE 602 NEW YORK, NY 10036 | FIRST UNUM LIFE INSURANCE COMPANY | $882 | — | $882 | 11.29% |
| EMERSON REID LLC3 | 1787 SENTRY PKWY W VEVA 16 STE 320 BLUE BELL, PA 19422 | FIRST UNUM LIFE INSURANCE COMPANY | — | $325 | $325 | 4.16% |
| COBB B LLC3 Filed as: COBB B LLC DBA LAMB FINANCIAL GROUP | 145 W 45TH ST STE 602 NEW YORK, NY 10036 | FIRST UNUM LIFE INSURANCE COMPANY | $1K | — | $1K | 17.68% |
| EMERSON REID LLC3 | 1787 SENTRY PKWY W VEVA 16 STE 320 BLUE BELL, PA 19422 | FIRST UNUM LIFE INSURANCE COMPANY | — | $373 | $373 | 5.00% |
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 | 119 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 119 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | OXFORD HEALTH INSURANCE INC. | 144 | $1.4M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 119 | $71K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 119 | $71K |
| Life insurance | FIRST UNUM LIFE INSURANCE COMPANY | 153 | $8K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 61 | $7K |
| Other | FIRST UNUM LIFE INSURANCE COMPANY | 153 | $8K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 153 | — |
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.