| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CAMBRIDGE LIFE BROKERAGE LLC3 | 1 COPPERFIELD WAY MORRISTOWN, NJ 07960 | METROPOLITAN LIFE INSURANCE COMPANY | $85K | $3K | $88K | 12.20% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PKWY W BLDG 16 STE 320 BLUE BELL, PA 19422 | METROPOLITAN LIFE INSURANCE COMPANY | $35K | — | $35K | 4.91% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PKWY W ATTN COMMISSIONS DEPARTMENT BLUE BELL, PA 19422 | METROPOLITAN LIFE INSURANCE COMPANY | — | $8K | $8K | 1.10% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PKWY W STE 320 BLUE BELL, PA 19422 | RENAISSANCE LIFE & HEALTH INSURANCE COMPANY OF AMERICA | $42K | — | $42K | 8.19% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CAMBRIDGE LIFE BROKERAGE, LLC EIN 45-2642901 BROKER | Consulting fees; Other investment fees and expenses; Sub-transfer agency fees Service code 60 | — | $222K |
| ALLIED BENEFIT SYSTEMS, LLC EIN 36-3086057 TPA | Plan Administrator; Contract Administrator; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 13 | — | $151K |
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 PPO | Direct payment from the plan; Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $81K |
| TELEDOC EIN 35-2351217 TELEDOC | Direct payment from the plan; Other services Service code 49 | — | $7K |
| AMERICAN HEALTH HOLDING EIN 31-1368946 UTILIZATION REVIEW | Employee (plan) Service code 30 | — | $6K |
| CURALINC HEALTHCARE EIN 33-1206383 PPO | Direct payment from the plan; Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $5K |
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 | 401 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 401 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 866 | $721K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 866 | $721K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 866 | $721K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 866 | $721K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 866 | $721K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | SUN LIFE OF CANADA | 397 | $1.9M |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 866 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 866 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.