| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOHN JAMES BENEFITS LTD3 | 80 LIDO BLVD PO BOX 40 POINT LOOKOUT, NY 11569 | AETNA LIFE INSURANCE CO. | $119K | — | $119K | 2.82% |
| ACRISURE LLC3 Filed as: ACRISURE LLC DBA JOHN JAMES BENEFIT | 9 LIDO BLVD LOOKOUT, NY 11589 | AETNA LIFE INSURANCE CO. | $61K | — | $61K | 1.44% |
| EMERSON REID LLC3 Filed as: EMERSON REID & COMPANY | 1305 WALT WHITMAN RD SUITE 310 MELVILLE, NY 11747 | AETNA LIFE INSURANCE CO. | $50K | — | $50K | 1.18% |
| ACRISURE LLC3 | 9 LIDO BLVD POINT LOOKOUT, NY 11569 | PRUDENTIAL | $4K | — | $4K | 11.61% |
| AXA ASSISTANCE, USA3 Filed as: AXA ASSISTANCE USA | 122 SOUTH MICHIGAN AVENUE SUITE 1100 CHICAGO, IL 606036115 | PRUDENTIAL | — | $126 | $126 | 0.34% |
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 | 353 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 357 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 496 | $4.2M |
| Dental | AETNA LIFE INSURANCE CO. | 496 | $4.2M |
| Life insurance | PRUDENTIAL | 407 | $37K |
| Long-term disability | PRUDENTIAL | 407 | $37K |
| Prescription drug | AETNA LIFE INSURANCE CO. | 496 | $4.2M |
| Other | PRUDENTIAL | 407 | $37K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 496 | — |
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.