| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMERSON REID LLC3 Filed as: EMERSON REID DBA CBDI | 9 EVES DRIVE MARLTON, NJ 08053 | INDEPENDENCE BLUE CROSS | $63K | — | $63K | 3.76% |
| PINNACLE WEALTH & BENEFIT STRATEGIE3 Filed as: PINNACLE HEALTH & BENEFIT STRATS | 51 HADDONFIELD RD STE 340 CHERRY HILL, NJ 08002 | AETNA HEALTH, INC. | $60K | — | $60K | 5.71% |
| PINNACLE WEALTH & BENEFIT STRATEGIE3 Filed as: PINNACLE WEALTH & BENEFITS STRAT | 51 HADDONFIELD RD STE 340 CHERRY HILL, NJ 08002 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | — | $12K | 6.59% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO. INC. | 669 RIVER DRIVE CENTER II STE 305 ELMWOOD PARK, NJ 07407 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $949 | $10K | 5.47% |
| PINNACLE WEALTH & BENEFIT STRATEGIE3 Filed as: PINNACLE WEALTH & BENEFIT STRATS | 51 HADDONFIELD RD STE 340 CHERRY HILL, NJ 08002 | AETNA LIFE INSURANCE CO. | $1K | — | $1K | 4.00% |
| PINNACLE WEALTH & BENEFIT STRATEGIE3 Filed as: PINNACLE WEALTH & BENEFIT STRA | 51 HADDONFIELD RD STE 340 CHERRY HILL, NJ 08002 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $554 | — | $554 | 7.00% |
| DAVID KUSHNER3 Filed as: DAVID C SAVOY, INC. | 25B HANOVER ROAD SUITE 220 FLORHAM PARK, NJ 07932 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $158 | — | $158 | 2.00% |
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 | 378 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 379 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 5 | $27K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 378 | $180K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 161 | $8K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 378 | $180K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 378 | $180K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 378 | $180K |
| Prescription drug | INDEPENDENCE BLUE CROSS | 158 | $1.7M |
| Other(2 contracts, 2 carriers) | AETNA HEALTH, INC. | 378 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 378 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.