| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE BOGLE AGENCY, INC.3 | 200 STUYVESANT AVE LYNDHURST, NJ 07071 | UNITEDHEALTHCARE INSURANCE COMPANY | $170K | — | $170K | 4.99% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PKWY W STE 320 BLUE BELL, PA 19422 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $22K | $22K | 0.64% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PKWY W STE 320 BLUE BELL, PA 19422 | UNITEDHEALTHCARE INSURANCE COMPANY | $8K | — | $8K | 5.02% |
| EMERSON REID LLC3 | 669 RIVER DRIVE ELMWOOD PARK, NJ 07407 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $7K | $7K | 4.22% |
| THE BOGLE AGENCY, INC.3 | 200 STUYVESANT AVE LYNDHURST, NJ 07071 | UNITEDHEALTHCARE INSURANCE COMPANY | $6K | — | $6K | 4.05% |
| THE BOGLE AGENCY, INC.3 | 200 STUYVESANT AVE LYNDHURST, NJ 07071 | DEARBORN LIFE INSURANCE COMPANY | $3K | — | $3K | 7.60% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| THE BOGLE AGENCY, INC. INSURANCE AGENT | Insurance agents and brokers Service code 22 | 200 STUYVESANT AVENUE LYNDHURST, NJ 07071 | $179K |
| EMERSON ROGERS LLC INSURANCE AGENT | Insurance agents and brokers Service code 22 | 1787 SENTRY PKWY W STE 320 BLUE BELL, PA 19422 | $30K |
| EMERSON REID LLC INSURANCE AGENT | Insurance agents and brokers Service code 22 | 669 RIVER DRIVE ELMWOOD PARK, NJ 07407 | $7K |
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 | 275 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 275 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 136 | $3.4M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 275 | $157K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 275 | $157K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 181 | $40K |
| Other | DEARBORN LIFE INSURANCE COMPANY | 181 | $40K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 275 | — |
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.