| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC3 Filed as: CHERNOFF DIAMOND LLC | 725 RXR PLAZA UNIONDALE, NY 11556 | METROPOLITAN LIFE INSURANCE COMPANY | $21K | $0 | $21K | 8.00% |
| EMERSON REID LLC Filed as: EMERSON REID AND COMPANY, INC. | 1787 SENTRY PARKWWAY SUITE 320, BUILDING 16 BLUE BELL, PA 19422 | METROPOLITAN LIFE INSURANCE COMPANY | $13K | $0 | $13K | 5.00% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC. | 669 RIVER DRIVE CENTER II SUITE 305 ELMWOOD, NJ 07407 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $294 | $294 | 0.11% |
| USI INSURANCE SERVICES LLC3 | 725 RXR PLAZA, EAST TOWER UNIONDALE, NY 11556 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $17K | $0 | $17K | 12.89% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $61 | $61 | 0.05% |
| AXA ASSISTANCE, USA5 | 122 SOUTH MICHIGAN AVENUE SUITE 1100 CHICAGO, IL 60603 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $11 | $11 | 0.01% |
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 | 336 | 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) | 336 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS AND BLUESHIELD OF NORTH CAROLINA | 443 | $173K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 495 | $266K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 495 | $266K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 353 | $128K |
| Short-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 353 | $128K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 353 | $128K |
| Prescription drug | BLUECROSS AND BLUESHIELD OF NORTH CAROLINA | 443 | $173K |
| Other | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 353 | $128K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 495 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.