| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CENTERSTONE INSURANCE AND FINANCIAL3 Filed as: BENEFITMALL NY-CENTERSTONE INS | 1133 WESTCHESTER AVE STE S-229 WHITE PLANES, NY 10604 | UNITED HEALTHCARE | $0 | -$91 | -$91 | -0.01% |
| RSC INSURANCE BROKERAGE INC3 | 485 LEXINGTON AVE FL 17 NEW YORK, NY 10017 | UNITED HEALTHCARE | -$345 | $0 | -$345 | -0.03% |
| MARSH & MCLENNAN AGENCY LLC3 | 250 PEHLE AVE STE 400 SADDLE BROOK, NJ 07663 | UNITED HEALTHCARE | -$733 | $0 | -$733 | -0.06% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1305 WALT WHITMAN ROAD STE 310 MELVILLE, NY 11747 | DELTA DENTAL OF NEW JERSEY, INC. | $3K | $0 | $3K | 4.08% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | 669 RIVER DRIVE CENTER II STE 305 ELMWOOD PARK, NJ 07407 | HARTFORD LIFE AND ACCIDENT | $2K | $810 | $3K | 10.12% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1305 WALT WHITMAN ROAD STE 310 MELVILLE, NY 11747 | DELTA DENTAL OF CONNECTICUT, INC | $371 | $0 | $371 | 4.09% |
| RSC INSURANCE BROKERAGE INC4 | 160 FEDERAL STREET BOSTON, MA 01982 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $319 | $0 | $319 | 17.00% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1305 WALT WHITMAN ROAD STE 310 MELVILLE, NY 11747 | FLAGSHIP HEALTH SYSTEMS | $35 | $0 | $35 | 2.32% |
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 | 194 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 31 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 225 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE | 227 | $1.2M |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF NEW JERSEY, INC. | 179 | $76K |
| Vision | DELTA DENTAL OF CONNECTICUT, INC | 172 | $9K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 202 | $32K |
| Short-term disability | HARTFORD LIFE AND ACCIDENT | 202 | $32K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 202 | $32K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 202 | $34K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 227 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.