| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PARKWAY W BLUE BELL, PA 19422 | AMERIHEALTH INSURANCE COMPANY | $151K | — | $151K | 8.42% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC. | 225 WIRELESS BLVD HAUPPAUGE, NY 11788 | AMERIHEALTH INSURANCE COMPANY | -$30K | — | -$30K | -1.65% |
| QUANTUM STRATEGIES3 Filed as: QUANTUM STRATEGIES LLC | PO BOX 909 CONCORDVILLE, PA 19331 | EQUITABLE FINANCIAL LIFE INSURANCE CARRIER OF AMERICA | $14K | — | $14K | 13.90% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PARKWAY WEST VEVA 320 SENTRY PKWY W 16 BLUE BELL, PA 19422 | EQUITABLE FINANCIAL LIFE INSURANCE CARRIER OF AMERICA | — | $5K | $5K | 4.63% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1305 WALT WHITMAN RD SUITE 310 MELVILLE, NY 11747 | DELTA DENTAL OF NEW JERSEY, INC. | $4K | — | $4K | 7.13% |
| QUANTUM STRATEGIES3 Filed as: QUANTUM STRATEGIES LLC | PO BOX 909 CONCORDVILLE, PA 19331 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $618 | — | $618 | 5.01% |
| EMERSON REID LLC3 | 1787 SENTRY PARKWAY W STE 320 BLUE BELL, PA 19422 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $617 | — | $617 | 5.00% |
| QUANTUM FINANCIAL STRATEGIES3 | 500 MAMARONECK AVE STE 320 HARRISON, NY 10528 | UNUM LIFE INSURANCE COMPANY OF AMERICA | -$417 | — | -$417 | -3.38% |
| QUANTUM STRATEGIES3 Filed as: QUANTUM STRATEGIES LLC | PO BOX 909 CONCORDVILLE, PA 19331 | ALPHA DENTAL PROGRAMS, INC. | $125 | — | $125 | 3.01% |
| EMERSON REID LLC3 | 1305 WALT WHITMAN RD SUITE 310 MELVILLE, NY 11747 | ALPHA DENTAL PROGRAMS, INC. | $73 | — | $73 | 1.76% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PARKWAY W BLUE BELL, PA 19422 | ALPHA DENTAL PROGRAMS, INC. | $52 | — | $52 | 1.25% |
| QUANTUM STRATEGIES3 | PO BOX 909 CONCORDVILLE, PA 19331 | VISION SERVICE PLAN | $853 | — | $853 | 93.02% |
| EMPLOYEE NAVIGATOR, LLC3 | 7979 OLD GEORGETOWN RD STE 300 BETHESDA, MD 20814 | VISION SERVICE PLAN | $64 | — | $64 | 6.98% |
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 | 182 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 182 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AMERIHEALTH INSURANCE COMPANY | 171 | $1.8M |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF NEW JERSEY, INC. | 134 | $65K |
| Vision | VISION SERVICE PLAN | 98 | $917 |
| Life insurance | EQUITABLE FINANCIAL LIFE INSURANCE CARRIER OF AMERICA | 164 | $103K |
| Prescription drug | AMERIHEALTH INSURANCE COMPANY | 171 | $1.8M |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 28 | $12K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 171 | — |
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 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.