| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PREFERRED BENEFITS GROUP3 Filed as: PREFERRED BENEFITS GROUP INC | 80 EAST STATE ROUTE 4 STE 245 PARAMUS, NJ 07652 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $106K | $106K | 5.00% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC. | 1787 SENTRY PKWY W VEVA 16 SUITE 320 BLUE BELL, PA 19422 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $42K | $42K | 2.00% |
| PREFERRED BENEFITS GROUP3 Filed as: PREFERRED BENEFITS GROUP INC | 80 ROUTE 4 EAST STE 245 PARAMUS, NJ 07652 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 7.16% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 669 RIVER DRIVE CENTER II SUITE 305 ELMWOOD PARK, NJ 07407 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $4K | $4K | 6.54% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE NIA GROUP A MARCH & MCLENNAN AG | 161 WASHINGTON STREET STE 1200 CONSHOHOCKEN, PA 19428 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | — | $0 | 0.00% |
| PREFERRED BENEFITS GROUP3 Filed as: PREFERRED BENEFITS GROUP INC | 80 ROUTE 4 EAST SUITE 245 PARAMUS, NJ 07652 | GUARDIAN | $953 | — | $953 | 4.04% |
| NFP INSURANCE SERVICES INC3 Filed as: NFP CORPORATE SERVICES NY LLC | — | GUARDIAN | $19 | — | $19 | 0.08% |
| NATIONAL ENROLLMENT PARTNERS LLC3 | C/O NATL ENROLLMENT PARTNERS CRANSTON, RI 02920 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $677 | — | $677 | 3.09% |
| PREFERRED BENEFITS GROUP3 Filed as: PREFERRED BENEFITS GROUP INC | 80 E STATE RT 4 STE 245 PARAMUS, NJ 07652 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $435 | — | $435 | 1.98% |
| AMANDA K BERRY3 | 633 HOLLAND AVE CAYCE, SC 29033 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $101 | — | $101 | 0.46% |
| ELITE ADMINISTRATION3 | 1051 BENNETTS BRIDGE ROAD GREER, SC 29651 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $72 | — | $72 | 0.33% |
| PAUL JOEL CLARK3 | 101 COUNTRY MIST DR GREER, SC 29651 | COLONIAL LIFE & ACCIDENT INSURANCE COMPANY | $4 | — | $4 | 0.02% |
| PREFERRED BENEFITS GROUP3 Filed as: PREFERRED BENEFITS GROUP INC | PO BOX 786677 PHILADELPHIA, PA 19178 | VISION SERVICE PLAN | $2K | — | $2K | 10.00% |
| PREFERRED BENEFITS GROUP3 Filed as: PREFERRED BENEFITS GROUP, INC | 80 ROUTE 4 EAST STE 245 PARAMUS, NJ 07652 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 12.00% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 669 RIVER DRIVE CENTER II SUITE 305 ELMWOOD PARK, NJ 07407 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $582 | $582 | 6.58% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: THE NIA GROUP A MARCH & MCLENNAN AG | 161 WASHINGTON STREET STE 1200 CONSHOHOCKEN, PA 19428 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | — | $0 | 0.00% |
| NATIONAL ENROLLMENT PARTNERS LLC3 | C/O NATL ENROLLMENT PARTNERS CRANSTON, RI 02920 | PAUL REVERE LIFE INSURANCE COMPANY | $59 | — | $59 | 3.10% |
| PREFERRED BENEFITS GROUP3 Filed as: PREFERRED BENEFITS GROUP INC | 80 E STATE RT 4 STE 245 PARAMUS, NJ 07652 | PAUL REVERE LIFE INSURANCE COMPANY | $29 | — | $29 | 1.52% |
| ELITE ADMINISTRATION3 | 1051 BENNETTS BRIDGE ROAD GREER, SC 29651 | PAUL REVERE LIFE INSURANCE COMPANY | $6 | — | $6 | 0.31% |
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 | 179 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 179 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 150 | $2.1M |
| Dental | GUARDIAN | 58 | $24K |
| Vision | VISION SERVICE PLAN | 150 | $21K |
| Life insurance(3 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 179 | $86K |
| Short-term disability(2 contracts, 2 carriers) | GUARDIAN | 58 | $46K |
| Long-term disability | GUARDIAN | 58 | $24K |
| Other | LIFE INSURANCE COMPANY OF NORTH AMERICA | 178 | $9K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 179 | — |
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.