| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LESLIE STREITFELD3 Filed as: LESLIE E. STREITFELD | 1192 HERON ROAD CHERRY HILL, NJ 08003 | EMBLEMHEALTH | $105K | $0 | $105K | 7.10% |
| MATTHEW W. LIPPMAN3 Filed as: MATTHEW LIPPMAN | UNKNOWN REMSENBURG, NY 11960 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY | $7K | $0 | $7K | 8.13% |
| FNA INSURANCE SERVICES INC3 | UNKNOWN WOODBURY, NY 11797 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY | $0 | $3K | $3K | 4.17% |
| LESLIE STREITFELD3 Filed as: LESLIE E. STREITFELD | UNKNOWN CHERRY HILL, NJ 08003 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY | $581 | $0 | $581 | 0.72% |
| FNA INSURANCE SERVICES INC3 | 1000 WOODBURY ROAD, SUITE 403 WOODBURY, NY 11797 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $0 | $3K | 4.66% |
| MATTHEW W. LIPPMAN3 Filed as: MATTHEW LIPPMAN | PO BOX 404 REMSENBURG, NY 11960 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $0 | $3K | 3.62% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PARKWAY WEST BUILDING 16, SUITE 320 BLUE BELL, PA 19422 | METROPOLITAN LIFE INSURANCE COMPANY | $303 | $61 | $364 | 0.51% |
| LESLIE STREITFELD3 Filed as: LESLIE E. STREITFELD | 1192 HERON ROAD CHERRY HILL, NJ 08003 | METROPOLITAN LIFE INSURANCE COMPANY | $303 | $0 | $303 | 0.43% |
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 | 334 | 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) | 334 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EMBLEMHEALTH | 94 | $1.5M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 199 | $71K |
| Life insurance | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY | 334 | $80K |
| Long-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY | 334 | $80K |
| Prescription drug | EMBLEMHEALTH | 94 | $1.5M |
| Other | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY | 334 | $80K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 334 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.