| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ACRISURE LLC | 120 EAGLE ROCK AVE EAST HANOVER, NJ 07936 | METROPOLITAN LIFE INSURANCE CO | $3K | $187 | $3K | 19.92% |
| ASSUREDPARTNERS Filed as: EMERSON ROGERS LLC | 1787 SENTRY PKWY W BLUE BELL, PA 19422 | METROPOLITAN LIFE INSURANCE CO | $708 | $248 | $956 | 6.30% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| IDA SERVICES EIN 13-3155962 NONE | Claims processing Service code 12 | — | $56K |
| MARC GALLO EIN 22-1507478 EMPLOYEE | Employee (plan); Plan Administrator Service code 14 | — | $36K |
| CHARLES ROLON JR EIN 22-1507478 EMPLOYEE | Employee (plan) Service code 30 | — | $30K |
| MORGAN STANLEY EIN 22-1003680 NONE | Investment management; Custodial (securities) Service code 19 | — | $22K |
| OP&CM LOCAL UNION NO.29 EIN 22-1173365 PARTY IN INTEREST | Contract Administrator Service code 13 | — | $20K |
| ORANSKY SCARAGGI & BORG PC EIN 22-3522685 NONE | Legal Service code 29 | — | $10K |
| MSPC EIN 22-2951202 NONE | Accounting (including auditing) Service code 10 | — | $10K |
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 | 76 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 76 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | METROPOLITAN LIFE INSURANCE CO | 76 | $15K |
| Stop-loss / reinsurancereinsurance | GREAT MIDWEST INSURANCE COMPANY | 76 | $228K |
| Other | METROPOLITAN LIFE INSURANCE CO | 76 | $15K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 76 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.