| 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 | $65K | — | $65K | 3.92% |
| EMERSON REID LLC3 Filed as: EMERSON REID DBA TRA BENEFIT | 1787 SENTRY PARKWAY W BLUE BELL, PA 19422 | INDEPENDENCE BLUE CROSS | $14K | — | $14K | 0.88% |
| 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 | $83 | $9K | 4.64% |
| PINNACLE WEALTH & BENEFIT STRATEGIE3 Filed as: PINNACLE WEALTH & BENEFITS STRAT | 51 HADDONFIELD RD STE 340 CHERRY HILL, NJ 08002 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | — | $7K | 3.57% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF NJ DBA AJM | 1317 ROUTE 73 STE 101 MOUNT LAUREL, NJ 08054 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | — | $5K | 2.56% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF NEW JERSEY, LLC | 20 COMMERCE DR SUITE 200 CRANFORD, NJ 07016 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $550 | — | $550 | 6.59% |
| PINNACLE WEALTH & BENEFIT STRATEGIE3 Filed as: PINNACLE WEALTH & BENEFIT STRA | 51 HADDONFIELD RD STE 340 CHERRY HILL, NJ 08002 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $199 | — | $199 | 2.38% |
| DAVID KUSHNER3 Filed as: DAVID C SAVOY, INC. | 25B HANOVER ROAD SUITE 220 FLORHAM PARK, NJ 07932 | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | $57 | — | $57 | 0.68% |
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 | 352 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 34 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 387 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | INDEPENDENCE BLUE CROSS | 153 | $1.6M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 352 | $193K |
| Vision | NATIONAL GUARDIAN LIFE INSURANCE COMPANY | 151 | $8K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 352 | $193K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 352 | $193K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 352 | $193K |
| Prescription drug | INDEPENDENCE BLUE CROSS | 153 | $1.6M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 352 | $193K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 352 | — |
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.