| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC. | 630 WEST GERMANTOWN PIKE, SUITE 215 PLYMOUTH MEETING, PA 19462 | AETNA LIFE INSURANCE COMPANY | $86K | — | $86K | 1.24% |
| MY BENEFIT ADVISOR LLC3 | 1305 WALT WHITMAN ROAD, SUITE 310 MELVILLE, NY 11747 | AETNA LIFE INSURANCE COMPANY | $83K | — | $83K | 1.20% |
| MY BENEFIT ADVISOR LLC3 | PO BOX 333 WESTBURY, NY 11590 | AETNA LIFE INSURANCE COMPANY | $60K | — | $60K | 0.86% |
| FREDERIC LAFFIE3 | 6800 JERICHO TURNPIKE, SUITE 202W SYOSSET, NY 11791 | AETNA LIFE INSURANCE COMPANY | $53K | — | $53K | 0.77% |
| CC EMPLOYEE BENEFITS LLC3 | 529 5TH AVENUE, 11TH FLOOR NEW YORK, NY 10017 | AETNA LIFE INSURANCE COMPANY | $53K | — | $53K | 0.77% |
| LYNN A. CHIAVARO3 | 110 SUMMIT AVENUE MONTVALE, NJ 07645 | NORTHWESTERN MUTUAL | $21K | $5K | $26K | 12.55% |
| NM MORRISTOWN NJ3 | 10 MADISON AVENUE, SUITE 3 MORRISTOWN, NJ 07960 | NORTHWESTERN MUTUAL | $5K | $438 | $5K | 2.66% |
| BRUCE R PETRIE3 Filed as: BRUCE R. PETRIE | 570 WEST MOUNT PLEASANT AVENUE SUITE 104 LIVINGSTON, NJ 07039 | NORTHWESTERN MUTUAL | $2K | $374 | $2K | 0.98% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC. | 1787 SENTRY PARKWAY WEST VEVA 16, SUITE 320 BLUE BELL, PA 19422 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $31K | — | $31K | 16.50% |
| UNKNOWN3 | UNKNOWN NEW YORK, NY 10017 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | — | $6K | $6K | 2.90% |
| HIRAM COHEN AND SON, INC.3 Filed as: HIRAM COHEN AND SON INC. | 486 WILLIS AVENUE WILLISTON PARK, NY 11596 | FEDERAL INSURANCE COMPANY | $618 | $350 | $968 | 23.51% |
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 | 524 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 531 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 922 | $6.9M |
| Dental | AETNA LIFE INSURANCE COMPANY | 922 | $6.9M |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 684 | $190K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 684 | $190K |
| Long-term disability(2 contracts, 2 carriers) | NORTHWESTERN MUTUAL | 684 | $394K |
| Prescription drug | AETNA LIFE INSURANCE COMPANY | 922 | $6.9M |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 684 | $194K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 922 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.