| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PARKWAY WEST, VEVA 16 SUITE 320 BLUE BELL, PA 19422 | SUN LIFE AND HEALTH INSURANCE COMPANY | $0 | $3K | $3K | 6.30% |
| VANGUARD II INC3 Filed as: VANGUARD INC | 155 PINELAWN ROAD, SUITE 210 N MELVILLE, NY 11747 | SUN LIFE AND HEALTH INSURANCE COMPANY | $3K | $0 | $3K | 5.20% |
| ACRISURE LLC3 Filed as: ACRISURE INS PARTNERS SVCS OF NY | 90 SOUTH RIDGE STREET RYE BROOK, NY 10573 | SUN LIFE AND HEALTH INSURANCE COMPANY | $159 | $0 | $159 | 0.32% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PARKWAY WEST, VEVA 16 SUITE 320 BLUE BELL, PA 19422 | UNITEDHEALTHCARE INSURANCE COMPANY | $1K | $0 | $1K | 6.95% |
| VANGUARD II INC3 | 155 PINELAWN ROAD, SUITE 210N MELVILLE, NY 11747 | UNITEDHEALTHCARE INSURANCE COMPANY | $880 | $0 | $880 | 4.22% |
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 | 118 | 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) | 118 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | SUN LIFE AND HEALTH INSURANCE COMPANY | 109 | $49K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 236 | $21K |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 236 | $21K |
| Other | UNITEDHEALTHCARE INSURANCE COMPANY | 236 | $21K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 236 | — |
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.
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.