| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| COBB B LLC3 Filed as: COBB B. LLC | 145 WEST 45TH STREET NEW YORK, NY 10036 | EMBLEMHEALTH PLAN, INC. | $31K | $0 | $31K | 4.00% |
| EMERSON REID LLC3 Filed as: EMERSON REID CO. INC | 350 FIFTH AVENUE SUITE 3700 NEW YORK, NY 10018 | EMBLEMHEALTH PLAN, INC. | $0 | $14K | $14K | 1.78% |
| COBB B LLC3 | 145 W 45TH ST SUITE 600 NEW YORK, NY 10036 | HARTFORD LIFE AND ACCIDENT | $6K | $0 | $6K | 15.00% |
| EMERSON REID LLC3 | 1305 WALT WHITMON RD SUITE 310 MELVILLE, NY 11747 | HARTFORD LIFE AND ACCIDENT | $0 | $0 | $0 | 0.00% |
| EMERSON REID LLC3 Filed as: EMERSON, REID LLC | THE EMPIRE STATE BUILDING NEW YORK, NY 10118 | AETNA LIFE INSURANCE COMPANY | $294 | $0 | $294 | 1.09% |
| COBB B LLC3 Filed as: COBB B LLC DBA LAMB FINANCIAL GROUP | 1100 EAST HECTOR STREET CONSHOHOCKEN, PA 19428 | AETNA LIFE INSURANCE COMPANY | -$300 | $0 | -$300 | -1.12% |
| COBB B LLC3 | 145 W 45TH ST FL 6 NEW YORK, NY 100364008 | UNITEDHEALTHCARE INSURANCE COMPANY | $635 | $0 | $635 | 9.21% |
| EMERSON REID LLC3 | 1787 SENTRY PKWY W STE 320 BLUE BELL, PA 194222240 | UNITEDHEALTHCARE INSURANCE COMPANY | $318 | $0 | $318 | 4.61% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO | 1305 WALT WHITMAN RD #310 MELVILLE, NY 11747 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $313 | $313 | 4.54% |
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 | 143 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 143 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EMBLEMHEALTH PLAN, INC. | 71 | $780K |
| Dental | AETNA LIFE INSURANCE COMPANY | 81 | $27K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 78 | $7K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 143 | $37K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 143 | $37K |
| Other | HARTFORD LIFE AND ACCIDENT | 143 | $37K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 143 | — |
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.