| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CAMBRIDGE LIFE BROKERAGE LLC3 | 875 AVENUE OF THE AMERICAS 350 FIFTH AVENUE, SUITE 1010 NEW YORK, NY 10001 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $219K | — | $219K | 18.73% |
| EMERSON REID LLC3 | 1787 SENTRY PARKWAY SUITE 320 BLUE BELL, PA 19422 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $106K | $106K | 9.08% |
| CAMBRIDGE LIFE BROKERAGE LLC3 | 875 AVENUE OF THE AMERICAS 350 FIFTH AVENUE, SUITE 801 NEW YORK, NY 10001 | SUN LIFE ASSURANCE COMPANY OF CANADA | $30K | — | $30K | 8.23% |
| EMERSON REID LLC3 | 1787 SENTRY PARKWAY SUITE 320 BLUE BELL, PA 19422 | SUN LIFE ASSURANCE COMPANY OF CANADA | $18K | $11K | $29K | 8.03% |
| CAMBRIDGE LIFE BROKERAGE LLC3 | 875 AVENUE OF THE AMERICAS 350 FIFTH AVENUE, SUITE 1010 NEW YORK, NY 10001 | UNITED HEALTHCARE INSURANCE COMPANY | $2K | — | $2K | 9.98% |
| EMERSON REID LLC3 | 1787 SENTRY PARKWAY SUITE 320 BLUE BELL, PA 19422 | UNITED HEALTHCARE INSURANCE COMPANY | $2K | — | $2K | 8.54% |
| PLANCORP VANTAGE BENEFIT ADVISORS Filed as: PLANCORP/VANTAGE BENEFIT ADVISORS | 6200 ROCKSIDE RD CLEVELAND, OH 44131 | SUN LIFE ASSURANCE COMPANY OF CANADA | $184 | — | $184 | 10.02% |
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 | 356 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 356 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 291 | $1.2M |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 374 | $362K |
| Life insurance(2 contracts) | SUN LIFE ASSURANCE COMPANY OF CANADA | 374 | $364K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 374 | $362K |
| Other(2 contracts) | SUN LIFE ASSURANCE COMPANY OF CANADA | 374 | $364K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 374 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.