| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COBB B LLC3 Filed as: COBB B LLC (DBA LAMB FINANCIAL GROU | 1100 E HECTOR STREET SUITE 470 CONSHOHOCKEN, PA 19428 | OXFORD HEALTH INSURANCE, INC. | $61K | $2K | $63K | 4.42% |
| EMERSON REID LLC3 | 669 RIVER DRIVE CENTER II STE 305 ELMWOOD PARK, IL 07407 | OXFORD HEALTH INSURANCE, INC. | — | $19K | $19K | 1.31% |
| EMERSON REID LLC3 | 167 ARCHER ROAD FACTORYVILLE, PA 18419 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $18K | $4K | $22K | 18.08% |
| COBB B LLC3 Filed as: COBB C LLC | 1433 TREETOP LANE AMBLER, PA 19002 | ANTHEM LIFE & DISABILITY INSURANCE COMPANY | $8K | — | $8K | 7.97% |
| EMERSON REID LLC3 Filed as: EMERSON REID & COMPANY | 400 POST AVENUE WESTBURY, NY 11590 | ANTHEM LIFE & DISABILITY INSURANCE COMPANY | — | $2K | $2K | 2.61% |
| COBB B LLC3 | 145 W 45TH STREET SUITE 602 NEW YORK, NY 10036 | ANTHEM LIFE & DISABILITY INSURANCE COMPANY | $807 | — | $807 | 0.84% |
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 | 167 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 167 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | OXFORD HEALTH INSURANCE, INC. | 227 | $1.4M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 167 | $120K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 167 | $120K |
| Life insurance | ANTHEM LIFE & DISABILITY INSURANCE COMPANY | 166 | $96K |
| Short-term disability | ANTHEM LIFE & DISABILITY INSURANCE COMPANY | 166 | $96K |
| Long-term disability | ANTHEM LIFE & DISABILITY INSURANCE COMPANY | 166 | $96K |
| Other | ANTHEM LIFE & DISABILITY INSURANCE COMPANY | 166 | $96K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 227 | — |
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.