| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COBB B LLC3 | DBA LAMB FINANCIAL GROUP 1385 HWY 35 PMB 170 MIDDLETOWN, NJ 07748 | OXFORD HEALTH INSURANCE, INC | $61K | $0 | $61K | 3.94% |
| EMERSON REID LLC3 | 1305 WALT WHITMAN RD STE 310 MELVILLE, NY 11747 | OXFORD HEALTH INSURANCE, INC | $0 | $28K | $28K | 1.83% |
| COBB B LLC3 | 1100 E HECTOR ST STE 470 CONSHOHOCKEN, PA 194282374 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $7K | $0 | $7K | 8.00% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO INC | 1305 WALT WHITMAN RD STE 310 MELVILLE, NY 117474300 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $0 | $4K | 5.00% |
| EMERSON REID LLC3 | 5250 N PALM SUITE 424 FRESNO, CA 93704 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $0 | $2K | 14.22% |
| EMERSON REID LLC3 | 5250 N PALM SUITE 424 FRESNO, CA 93704 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $0 | $3K | 19.55% |
| COBB B LLC3 | 1100 E HECTOR ST STE 470 CONSHOHOCKEN, PA 194282374 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $693 | $0 | $693 | 8.00% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO INC | 1305 WALT WHITMAN RD STE 310 MELVILLE, NY 117474300 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $433 | $0 | $433 | 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 | 176 | 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) | 176 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | OXFORD HEALTH INSURANCE, INC | 189 | $1.5M |
| Dental | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 294 | $87K |
| Vision | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 195 | $9K |
| Life insurance | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 185 | $17K |
| Long-term disability | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 175 | $17K |
| Other | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 185 | $17K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 294 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.