| 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. | $62K | — | $62K | 3.94% |
| EMERSON REID LLC3 | 1305 WALT WHITMAN RD STE 310 MELVILLE, NY 11747 | OXFORD HEALTH INSURANCE INC. | — | $20K | $20K | 1.29% |
| COBB B LLC3 Filed as: COBB B LLC DBA LAMB FINANCIAL GROUP | 1100 E HECTOR ST STE 470 CONSHOHOCKEN, PA 19428 | UNITEDHEALTHCARE INSURANCE COMPANY | $4K | — | $4K | 5.10% |
| EMERSON REID LLC3 | 1787 SENTRY PKWY W STE 320 BLUE BELL, PA 19422 | UNITEDHEALTHCARE INSURANCE COMPANY | $4K | — | $4K | 5.00% |
| 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 | $2K | — | $2K | 17.36% |
| EMERSON REID LLC3 | 1787 SENTRY PKWY W VEVA 16 STE 320 BLUE BELL, PA 19422 | FIRST UNUM LIFE INSURANCE COMPANY | — | $821 | $821 | 5.79% |
| 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 | $2K | — | $2K | 16.63% |
| EMERSON REID LLC3 | 1787 SENTRY PKWY W VEVA 16 STE 320 BLUE BELL, PA 19422 | FIRST UNUM LIFE INSURANCE COMPANY | — | $743 | $743 | 5.54% |
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 | 183 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 183 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | OXFORD HEALTH INSURANCE INC. | 195 | $1.7M |
| Life insurance | FIRST UNUM LIFE INSURANCE COMPANY | 183 | $14K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 41 | $13K |
| Other | FIRST UNUM LIFE INSURANCE COMPANY | 183 | $14K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 195 | — |
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.