| 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 | $90K | — | $90K | 5.05% |
| FNA INSURANCE SERVICES INC3 Filed as: FNA INSURANCE SERVICES, INC | 1000 WOODBURY RD WOODBURY, NY 11797 | AMERIHEALTH INSURANCE COMPANY | $20K | — | $20K | 1.10% |
| QUANTUM STRATEGIES3 | QUANTUM STRATEGIES, LLC CHADDS FORD, PA 19317 | EQUITABLE FINANCIAL LIFE INSURANCE CARRIER OF AMERICA | $9K | — | $9K | 13.46% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | EMERSON ROGERS, LLC BLUE BELL, PA 19422 | EQUITABLE FINANCIAL LIFE INSURANCE CARRIER OF AMERICA | — | $3K | $3K | 4.49% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST LIMITED | HUB INTERNATIONAL NE LTD. MELVILLE, NY 11747 | EQUITABLE FINANCIAL LIFE INSURANCE CARRIER OF AMERICA | $1K | — | $1K | 1.63% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1305 WALT WHITMAN RD SUITE 310 MELVILLE, NY 11747 | DELTA DENTAL OF NEW JERSEY, INC. | $2K | — | $2K | 3.06% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST LIMITED | 100 SUNNYSIDE BLVD WOODBURY, NY 11797 | DELTA DENTAL OF NEW JERSEY, INC. | $918 | — | $918 | 1.59% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | 1787 SENTRY PARKWAY W, VEVA 16 STE 300 BLUE BELL, PA 19422 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $342 | $342 | $684 | 3.07% |
| QUANTUM STRATEGIES3 Filed as: QUANTUM STRATEGIES, LLC | PO BOX 909 CONCORDVILLE, PA 19331 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $684 | — | $684 | 3.07% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST LIMITED | 180 RIVER ROAD 2ND FLOOR SUMMIT, NY 07901 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $533 | — | $533 | 2.40% |
| QUANTUM STRATEGIES3 | PO BOX 909 CONCORDVILLE, PA 19331 | VISION SERVICE PLAN | $535 | — | $535 | 4.85% |
| HUB INTERNATIONAL MIDWEST LIMITED3 Filed as: HUB INTERNATIONAL NORTHEAST LIMITED | 100 SUNNYSIDE BLVD WOODBURY, NY 11797 | VISION SERVICE PLAN | $436 | — | $436 | 3.95% |
| EMPLOYEE NAVIGATOR, LLC3 | 7979 OLD GEORGETOWN RD STE 300 BETHESDA, MD 20814 | VISION SERVICE PLAN | $42 | — | $42 | 0.38% |
| QUANTUM STRATEGIES3 Filed as: QUANTUM STRATEGIES LLC | PO BOX 909 CONCORDVILLE, PA 19331 | ALPHA DENTAL PROGRAMS, INC. | $65 | — | $65 | 1.69% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PARKWAY W BLUE BELL, PA 19422 | ALPHA DENTAL PROGRAMS, INC. | $65 | — | $65 | 1.69% |
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 | 156 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 156 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AMERIHEALTH INSURANCE COMPANY | 160 | $1.8M |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF NEW JERSEY, INC. | 116 | $62K |
| Vision | VISION SERVICE PLAN | 84 | $11K |
| Life insurance(2 contracts, 2 carriers) | EQUITABLE FINANCIAL LIFE INSURANCE CARRIER OF AMERICA | 168 | $87K |
| Prescription drug | AMERIHEALTH INSURANCE COMPANY | 160 | $1.8M |
| Other | UNUM LIFE INSURANCE COMPANY OF AMERICA | 168 | $22K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 168 | — |
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.