| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COBB B LLC3 Filed as: COBB B. LLC | 1100 EAST HECTOR STREET, SUITE 470 CONSHOHOCKEN, PA 19428 | OXFORD HEALTH INSURANCE, INC | $70K | $0 | $70K | 4.05% |
| EMERSON REID LLC3 | 669 RIVER DRIVE CENTER 11 SUITE 305 ELMWOOD PARK, NJ 07407 | OXFORD HEALTH INSURANCE, INC | $0 | $22K | $22K | 1.27% |
| EMERSON REID LLC3 | 1305 WALT WHITMAN ROAD, SUITE 310 MELVILLE, NY 11747 | UNITEDHEALTHCARE INSURANCE COMPANY | $7K | $0 | $7K | 5.00% |
| COBB B LLC3 Filed as: COBB B. LLC | 1100 EAST HECTOR STREET, SUITE 470 CONSHOHOCKEN, PA 19428 | UNITEDHEALTHCARE INSURANCE COMPANY | $6K | $0 | $6K | 4.01% |
| COBB B LLC3 Filed as: COBB B. LLC | 145 WEST 45TH STREET, SUITE 602 NEW YORK, NY 10036 | ANTHEM LIFE AND DISABILITY INSURANCE COMPANY | $10K | $0 | $10K | 11.22% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY INC. | 400 POST AVENUE WESTBURY, NY 11590 | ANTHEM LIFE AND DISABILITY INSURANCE COMPANY | $0 | $6K | $6K | 7.03% |
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 | 163 | 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) | 167 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | OXFORD HEALTH INSURANCE, INC | 232 | $1.7M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 288 | $137K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 288 | $137K |
| Life insurance | ANTHEM LIFE AND DISABILITY INSURANCE COMPANY | 161 | $89K |
| Short-term disability | ANTHEM LIFE AND DISABILITY INSURANCE COMPANY | 161 | $89K |
| Long-term disability | ANTHEM LIFE AND DISABILITY INSURANCE COMPANY | 161 | $89K |
| Prescription drug | OXFORD HEALTH INSURANCE, INC | 232 | $1.7M |
| Other | ANTHEM LIFE AND DISABILITY INSURANCE COMPANY | 161 | $89K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 288 | — |
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.