| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| YISRAEL KUSHNER3 Filed as: YISRAEL A KUSHNER | 4 JAYS COURT CLOSTER, NJ 076241134 | UNITEDHEALTHCARE INSURANCE COMPANY | $142K | — | $142K | 2.61% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC NJ NY | 1787 SENTRY PARKWAY W SUITE 320 BLUE BELL, PA 194222240 | UNITEDHEALTHCARE INSURANCE COMPANY | $51K | $8K | $59K | 1.09% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC NY | 29840 NETWORK PLACE CHICAGO, IL 606731298 | UNITEDHEALTHCARE INSURANCE COMPANY | $47K | — | $47K | 0.88% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO | 669 RIVER DRIVE CENTER II #305 ELMWOOD PARK, NJ 07407 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $11K | $11K | 0.21% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PARKWAY W SUITE 320 BLUE BELL, PA 19422 | MUTUAL OF OMAHA INSURANCE COMPANY | $3K | $6K | $9K | 16.05% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | MUTUAL OF OMAHA INSURANCE COMPANY | $1K | — | $1K | 2.09% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PARKWAY W SUITE 320 BLUE BELL, PA 19422 | MUTUAL OF OMAHA INSURANCE COMPANY | $3K | $5K | $8K | 16.25% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | MUTUAL OF OMAHA INSURANCE COMPANY | $735 | — | $735 | 1.42% |
| YISRAEL KUSHNER3 | 4 JAYS COURT CLOSTER, NJ 07624 | EYEMED VISION CARE | $4K | — | $4K | 9.52% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PARKWAY W SUITE 320 BLUE BELL, PA 19422 | COMPANION LIFE INSURANCE COMPANY | $2K | $3K | $5K | 16.85% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | COMPANION LIFE INSURANCE COMPANY | $873 | — | $873 | 3.02% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PARKWAY W SUITE 320 BLUE BELL, PA 19422 | COMPANION LIFE INSURANCE COMPANY | $2K | $3K | $5K | 18.11% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | COMPANION LIFE INSURANCE COMPANY | $714 | — | $714 | 2.50% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PARKWAY W SUITE 320 BLUE BELL, PA 19422 | MUTUAL OF OMAHA INSURANCE COMPANY | $479 | $678 | $1K | 16.85% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 60673 | MUTUAL OF OMAHA INSURANCE COMPANY | $207 | — | $207 | 3.01% |
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 | 285 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 291 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 578 | $5.4M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 578 | $5.4M |
| Vision | EYEMED VISION CARE | 447 | $39K |
| Life insurance(3 contracts, 2 carriers) | COMPANION LIFE INSURANCE COMPANY | 422 | $64K |
| Short-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 418 | $54K |
| Long-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 418 | $52K |
| Other(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 578 | $5.4M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 578 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.