| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COBB B LLC3 | DBA LAMB FINANCIAL GROUP 370 LEXINGTON AVE RM 608 NEW YORK, NY 100176591 | UNITEDHEALTHCARE INSURANCE COMPANY | $67K | $0 | $67K | 4.03% |
| EMERSON REID LLC3 | 1787 SENTRY PKWY W STE 320 BLUE BELL, PA 194222240 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $22K | $22K | 1.31% |
| EMERSON REID LLC3 | 1787 SENTRY PKWY W VEVA 16 SUITE 320 BLUE BELL, PA 19422 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7K | $0 | $7K | 9.10% |
| COBB B LLC3 | DBA LAMB FINANCIAL GROUP 145 W 45TH ST STE 602 NEW YORK, NY 10036 | FIRST UNUM LIFE INSURANCE COMPANY | $2K | $0 | $2K | 15.00% |
| EMERSON REID LLC3 | STE 320 1787 SENTRY PKWY W, VEVA 16 BLUE BELL, PA 19422 | FIRST UNUM LIFE INSURANCE COMPANY | $0 | $684 | $684 | 5.00% |
| COBB B LLC3 | DBA LAMB FINANCIAL GROUP 145 W 45TH ST STE 602 NEW YORK, NY 10036 | FIRST UNUM LIFE INSURANCE COMPANY | $2K | $0 | $2K | 15.35% |
| EMERSON REID LLC3 | EMPIRE STATE BUILDING 350 FIFTH AVE STE 3700 NEW YORK, NY 10018 | FIRST UNUM LIFE INSURANCE COMPANY | $683 | $547 | $1K | 9.21% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO | 1305 WALT WHITMAN RD #310 MELVILLE, NY 11747 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $3K | $3K | 24.76% |
| COBB B LLC3 | DBA LAMB FINANCIAL GROUP 370 LEXINGTON AVE RM 608 NEW YORK, NY 10017 | UNITEDHEALTHCARE INSURANCE COMPANY | $475 | $0 | $475 | 4.34% |
| EMERSON REID LLC3 | 1787 SENTRY PKWY W STE 320 BLUE BELL, PA 19422 | UNITEDHEALTHCARE INSURANCE COMPANY | $225 | $0 | $225 | 2.05% |
| PENTRA LLC3 | STE 210 795 E LANCASTER AVE VILLANOVA, PA 19085 | FIRST UNUM LIFE INSURANCE COMPANY | $2K | $0 | $2K | 15.00% |
| EMERSON REID LLC3 | STE 320 1787 SENTRY PKWY W, VEVA 16 BLUE BELL, PA 19422 | FIRST UNUM LIFE INSURANCE COMPANY | $0 | $524 | $524 | 5.00% |
| COBB B LLC3 | DBA LAMB FINANCIAL GROUP 145 W 45TH ST STE 602 NEW YORK, NY 10036 | FIRST UNUM LIFE INSURANCE COMPANY | $944 | $0 | $944 | 15.00% |
| EMERSON REID LLC3 | STE 320 1787 SENTRY PKWY W, VEVA 16 BLUE BELL, PA 19422 | FIRST UNUM LIFE INSURANCE COMPANY | $0 | $315 | $315 | 5.00% |
| COBB B LLC3 | DBA LAMB FINANCIAL GROUP 145 W 45TH ST STE 602 NEW YORK, NY 10036 | PROVIDENT LIFE AND CASUALTY INSURANCE COMPANY | $408 | $0 | $408 | 9.13% |
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 | 184 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 184 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 221 | $1.7M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 132 | $77K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 300 | $11K |
| Life insurance(2 contracts) | FIRST UNUM LIFE INSURANCE COMPANY | 184 | $24K |
| Short-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 11 | $13K |
| Long-term disability | FIRST UNUM LIFE INSURANCE COMPANY | 27 | $6K |
| Other(3 contracts, 2 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 184 | $29K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 300 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.