| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CAMBRIDGE LIFE BROKERAGE LLC3 | 44 WASHINGTON STREET #1099 MORRISTOWN, NJ 07960 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $6K | — | $6K | 7.47% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC. | 1787 SENTRY PKWY W VEVA 16 STE 320 BLUE BELL, PA 19422 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $3K | $3K | 4.23% |
| CAMBRIDGE LIFE BROKERAGE LLC3 | 1 COPPERFIELD WAY MORRISTOWN, NJ 07960 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $214 | $2K | 14.68% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PKWY W BLDG 16 STE 320 BLUE BELL, PA 19422 | METROPOLITAN LIFE INSURANCE COMPANY | $553 | $111 | $664 | 6.34% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CAMBRIDGE LIFE BROKERAGE LLC EIN 45-2642901 BROKER | Insurance brokerage commissions and fees Service code 53 | — | $63K |
| ALLIED BENEFIT SYSTEMS LLC EIN 36-3086057 TPA | Accounting (including auditing) Service code 10 | — | $59K |
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 PPO | Insurance agents and brokers Service code 22 | — | $24K |
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 | 198 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 198 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 156 | $78K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 156 | $78K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 199 | $10K |
| Stop-loss / reinsurancereinsurance | HCC LIFE INSURANCE COMPANY | 115 | $400K |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 199 | $10K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 199 | — |
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."
No prospect flags tripped on this filing.