| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC. | 225 WIRELESS BLVD HAUPPAUGE, NY 11788 | AMERIHEALTH INSURANCE COMPANY | $120K | — | $120K | 6.78% |
| QUANTUM STRATEGIES Filed as: QUANTUM STRATEGIES LLC | PO BOX 909 CONCORDVILLE, PA 193310909 | EQUITABLE FINANCIAL LIFE INSURANCE CARRIER OF AMERICA | $10K | — | $10K | 15.00% |
| EMERSON REID LLC Filed as: EMERSON REID | 1787 SENTRY PARKWAY WEST VEVA 320 SENTRY PKWY W 16 BLUE BELL, PA 19422 | EQUITABLE FINANCIAL LIFE INSURANCE CARRIER OF AMERICA | — | $3K | $3K | 5.00% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC. | 225 WIRELESS BLVD 2ND FLOOR HAUPPAUGE, NY 11788 | DELTA DENTAL OF NEW JERSEY, INC. | $2K | — | $2K | 3.00% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | PO BOX 632886 CINCINNATI, OH 452632886 | DELTA DENTAL OF NEW JERSEY, INC. | $2K | — | $2K | 2.81% |
| EMERSON REID LLC3 | 1305 WALT WHITMAN ROAD SUITE 310 MELVILLE, NY 11747 | DELTA DENTAL OF NEW JERSEY, INC. | $1K | — | $1K | 2.10% |
| QUANTUM STRATEGIES3 Filed as: QUANTUM STRATEGIES LLC | 1 COOPERS HAWK LN CHADDS FORD, PA 19317 | DELTA DENTAL OF NEW JERSEY, INC. | $1K | — | $1K | 1.68% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INSURANCE SERV INC | PO BOX 632886 CINCINNATI, OH 452632886 | VISION SERVICE PLAN | $616 | — | $616 | 4.94% |
| QUANTUM STRATEGIES3 | PO BOX 909 CONCORDVILLE, PA 19331 | VISION SERVICE PLAN | $508 | — | $508 | 4.07% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS | 225 WIRELESS BLVD FL 2 HAUPPAUGE, NY 117883914 | VISION SERVICE PLAN | $366 | — | $366 | 2.94% |
| EMPLOYEE NAVIGATOR, LLC3 | 7979 OLD GEORGETOWN RD STE 300 BETHESDA, MD 208142554 | VISION SERVICE PLAN | $64 | — | $64 | 0.51% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INSURANCE SERV | PO BOX 632886 CINCINNATI, OH 45263 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $659 | — | $659 | 5.67% |
| EMERSON REID LLC3 | 1770 SENTRY PWKY W, VEVA 16 STE 320 BLUE BELL, PA 19422 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $504 | — | $504 | 4.33% |
| QUANTUM FINANCIAL STRATEGIES3 | 500 MAMARONECK AVE STE 320 HARRISON, NY 10528 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $503 | — | $503 | 4.33% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS INC. | 225 WIRELESS BLVD 2ND FL HAUPPAUGE, NY 11788 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $330 | — | $330 | 2.84% |
| CBIZ BENEFITS & INSURANCE SERVICES3 Filed as: CBIZ BENEFITS & INSURANCE SERV INC | PO BOX 632886 CINCINNATI, OH 452632886 | ALPHA DENTAL PROGRAMS, INC. | $114 | — | $114 | 2.76% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS | 225 WIRELESS BLVD 2ND FL HAUPPAUGE, NY 11788 | ALPHA DENTAL PROGRAMS, INC. | $114 | — | $114 | 2.76% |
| EMERSON REID LLC3 | 1305 WALT WHITMAN ROAD SUITE 310 MELVILLE, NY 11747 | ALPHA DENTAL PROGRAMS, INC. | $67 | — | $67 | 1.62% |
| QUANTUM STRATEGIES3 Filed as: QUANTUM STRATEGIES LLC | 1 COOPERS HAWK LN CHADDS FORD, PA 19317 | ALPHA DENTAL PROGRAMS, INC. | $67 | — | $67 | 1.62% |
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 | 184 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 184 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AMERIHEALTH INSURANCE COMPANY | 195 | $1.8M |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF NEW JERSEY, INC. | 145 | $67K |
| Vision | VISION SERVICE PLAN | 102 | $12K |
| Life insurance | EQUITABLE FINANCIAL LIFE INSURANCE CARRIER OF AMERICA | 174 | $68K |
| Prescription drug | AMERIHEALTH INSURANCE COMPANY | 195 | $1.8M |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 30 | $12K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 195 | — |
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.