| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| LESLIE STREITFELD3 Filed as: LESLIE E STREITFELD | 1192 HERON BLVD CHERRY HILL, NJ 08003 | AETNA LIFE INSURANCE COMPANY | $66K | $7K | $73K | 4.34% |
| ASSUREDPARTNERS3 Filed as: EMERSON, ROGERS LLC | 669 RIVER DRIVE CENTER II SUITE 305 ELMWOOD PARK, NJ 07407 | AETNA LIFE INSURANCE COMPANY | $9K | — | $9K | 0.56% |
| ASSUREDPARTNERS3 Filed as: EMERSON, ROGERS LLC | THE EMPIRE STATE BUILDING NEW YORK, NY 10118 | AETNA LIFE INSURANCE COMPANY | $7K | — | $7K | 0.43% |
| LESLIE STREITFELD3 | 1192 HERON BLVD CHERRY HILL, NJ 08003 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY | $17K | — | $17K | 8.85% |
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 | 327 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 327 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 187 | $1.7M |
| Dental | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY | 327 | $194K |
| Vision | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY | 327 | $194K |
| Life insurance | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY | 327 | $194K |
| Long-term disability | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY | 327 | $194K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 327 | — |
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.