| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MONDSCHEIN ASSOCIATES, INC.3 Filed as: MONDSCHEIN ASSOCIATES INC. | 450 N END AVE APT 19A NEW YORK, NY 102821111 | EMBLEMHEALTH | $77K | $0 | $77K | 3.91% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC NJ NY | 1787 SENTRY PARKWAY W STE 320 BLUE BELL, PA 19422 | EMBLEMHEALTH | $0 | $0 | $0 | 0.00% |
| MONDSCHEIN ASSOCIATES, INC.3 Filed as: MONDSCHEIN ASSOCIATES INC. | 111 GROVE STREET STE 203 MONTCLAIR, NJ 070424084 | UNITED HEALTHCARE INSURANCE COMPANY | $13K | $0 | $13K | 14.23% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC NJ NY | 1787 SENTRY PARKWAY W STE 320 BLUE BELL, PA 194222240 | UNITED HEALTHCARE INSURANCE COMPANY | $4K | $0 | $4K | 5.00% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PARKWAY W STE 320 BLUE BELL, PA 19422 | MUTUAL OF OMAHA | $7K | $6K | $12K | 27.02% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PARKWAY W STE 320 BLUE BELL, PA 19422 | COMPANION LIFE INSURANCE COMPANY | $7K | $5K | $12K | 26.77% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PARKWAY W STE 320 BLUE BELL, PA 19422 | COMPANION LIFE INSURANCE COMPANY | $6K | $4K | $10K | 29.95% |
| GRAEBER & ASSOCIATES INC3 Filed as: GRAEBER ASSOCIATES | 225 N MAIN STREET STE 308 SALISBURY, NC 28144 | BLUE CROSS AND BLUE SHIELD OF NORTH CAROLINA | $0 | $0 | $0 | — |
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 | 902 | 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) | 902 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | EMBLEMHEALTH | 133 | $2.0M |
| Dental | UNITED HEALTHCARE INSURANCE COMPANY | 251 | $89K |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 251 | $89K |
| Life insurance | COMPANION LIFE INSURANCE COMPANY | 902 | $32K |
| Short-term disability | MUTUAL OF OMAHA | 120 | $46K |
| Other | COMPANION LIFE INSURANCE COMPANY | 144 | $44K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 902 | — |
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.