| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 100 SUMMIT LAKE DR. VALHALLA, NY 10595 | HARTFORD LIFE AND ACCIDENT | $3K | $1K | $5K | 17.22% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PKWY W STE 320 BLDG 16 BLUE BELL, PA 194222240 | METROPOLITAN LIFE INSURANCE COMPANY | $876 | $1K | $2K | 12.11% |
| ECONOMIC PLANNING GROUP, INC.(NEW Y3 Filed as: THE ECONOMIC PLANNING GROUP, INC. | 570 LEXINGTON AVE STE 1600 NEW YORK, NY 100226837 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $0 | $2K | 10.14% |
| KIFFERSTEIN, ALAN C3 | 570 LEXINGTON AVE STE 1600 NEW YORK, NY 10022 | FIRST UNUM LIFE INSURANCE COMPANY | $3K | — | $3K | 20.00% |
| KIFFERSTEIN, ALAN C3 | 570 LEXINGTON AVE STE 1600 NEW YORK, NY 10022 | FIRST UNUM LIFE INSURANCE COMPANY | $254 | — | $254 | 21.95% |
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 | 126 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 126 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 126 | $16K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 123 | $28K |
| Other(3 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 126 | $33K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 126 | — |
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.