| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE BOGLE AGENCY, INC.3 | 200 STUYVESANT AVE LYNDHURST, NJ 07071 | OXFORD HEALTH INSURANCE, INC. | $140K | — | $140K | 4.97% |
| EMERSON REID LLC3 | 669 RIVER DRIVE CENTER II STE 305 ELMWOOD PARK, NJ 07407 | OXFORD HEALTH INSURANCE, INC. | — | $24K | $24K | 0.86% |
| EMERSON REID LLC3 | 167 ARCHER RD FACTORYVILLE, PA 18419 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $8K | $4K | $13K | 12.94% |
| THE BOGLE AGENCY, INC.3 | 200 STUYVESANT AVE LYNDHURST, NJ 07071 | DEARBORN LIFE INSURANCE COMPANY | $3K | — | $3K | 7.69% |
| THE BOGLE AGENCY, INC.3 | 200 STUYVESANT AVE LYNDHURST, NJ 07071 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | — | $2K | 9.17% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO | 1305 WALT WHITMAN RD STE 310 MELVILLE, NY 11747 | UNITEDHEALTHCARE INSURANCE COMPANY | $1K | — | $1K | 5.71% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| THE BOGLE AGENCY, INC. INSURANCE AGENT | Insurance agents and brokers Service code 22 | 200 STUYVESANT AVENUE LYNDHURST, NJ 07071 | $145K |
| EMERSON REID LLC INSURANCE AGENT | Insurance agents and brokers Service code 22 | 669 RIVER DRIVE CENTER II STE 305 ELMWOOD PARK, NJ 07407 | $37K |
| EMERSON REID & CO INSURANCE AGENT | Insurance agents and brokers Service code 22 | 1305 WALT WHITMAN RD STE 310 MELVILLE, NY 11747 | $1K |
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 | 293 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 293 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | OXFORD HEALTH INSURANCE, INC. | 293 | $2.8M |
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 165 | $97K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 164 | $20K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 206 | $39K |
| Other | DEARBORN LIFE INSURANCE COMPANY | 206 | $39K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 293 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.