| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RICHARDS AND SUMMERS INC.3 | PO BOX 68 DENVILLE, NJ 07834 | SUN LIFE ASSURANCE COMPANY OF CANADA | $8K | — | $8K | 5.00% |
| RICHARDS AND SUMMERS INC.3 | 270 SPARTA AVENUE SPARTA, NJ 07871 | DELTA DENTAL OF NJ INC. | $3K | $0 | $3K | 2.03% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW JERSEY | 350 MT. KEMBLE AVENUE MORRISTOWN, NJ 07962 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $9K | — | $9K | 20.00% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW JERSEY | 350 MT. KEMBLE AVENUE MORRISTOWN, NJ 07962 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 10.00% |
| N/A | — | EYE MED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INS. CO. | — | — | $0 | 0.00% |
| EMERSON REID LLC3 Filed as: ERC OF NEW YORK DBA EMERSON REID CO | 1305 WALT WITMAN ROAD SUITE 310 MELVILLE, NY 11747 | UNION SECURITY INSURANCE COMPANY | $1K | $558 | $2K | 14.09% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO INC. | 261 MADISON AVENUE SUITE 602 NEW YORK, NY 10016 | LINCOLN NATIONAL LIFE INSURANC COMPANY | $427 | $153 | $580 | 18.95% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW JERSEY | 350 MT. KEMBLE AVENUE MORRISTOWN, NJ 07962 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $564 | — | $564 | 20.01% |
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 | 143 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 145 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF NJ INC. | 125 | $129K |
| Vision | EYE MED VISION CARE ON BEHALF OF FIDELITY SECURITY LIFE INS. CO. | 290 | $15K |
| Life insurance(3 contracts, 3 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 142 | $57K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 111 | $36K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 398 | $156K |
| Other(3 contracts, 3 carriers) | UNION SECURITY INSURANCE COMPANY | 142 | $17K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 398 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.