| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KAMINER FINANCIAL GROUP, LTD3 | 1415 RT 70 E STE 510 CHERRY HILL, NJ 08034 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $45K | $45K | 4.15% |
| EMERSON REID LLC3 | 669 RIVER DR CENTER STE 305 ELMWOOD PARK, NJ 07407 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $21K | $21K | 1.90% |
| LEVY BENEFITS ADVISORS LLC3 Filed as: LEVY BENEFITS ADVISORS | 1818 MARKET ST STE 3232 PHILADELPHIA, PA 19103 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $7K | $7K | 0.61% |
| LEON MARTIN3 Filed as: LEON L. LEVY & ASSOCIATES | PO BOX 378 JENKINTOWN, PA 19046 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $549 | $4K | 6.50% |
| EMERSON REID LLC3 | 1787 SENTRY PKWY STE 320 BLUE BELL, PA 19422 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $3K | $3K | 5.00% |
| KAMINER FINANCIAL GROUP, LTD3 | 1415 RT 70 E STE 510 CHERRY HILL, NJ 08034 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 2.44% |
| LEON MARTIN3 Filed as: LEON L. LEVY & ASSOCIATES | 1818 MARKET ST STE 3232 PHILADELPHIA, PA 19103 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $90 | $1K | 11.31% |
| EMERSON REID LLC3 | 1787 SENTRY PKWY STE 320 BLUE BELL, PA 19422 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $555 | $555 | 5.01% |
| KAMINER FINANCIAL GROUP, LTD | 1415 RT 70 E STE 510 CHERRY HILL, NJ 08034 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $499 | — | $499 | 4.50% |
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 | 269 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 269 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 127 | $1.1M |
| Life insurance(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 269 | $79K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 269 | $68K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 269 | — |
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.
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.