| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMERSON REID LLC3 | 1787 SENTRY PARKWAY, SUITE 320 BLUE BELL, PA 19422 | AETNA LIFE INSURANCE COMPANY | $21K | — | $21K | 4.73% |
| MY BENEFIT ADVISOR LLC3 | 1305 WALT WHITMAN ROAD, SUITE 310 MELVILLE, NY 11747 | AETNA LIFE INSURANCE COMPANY | $15K | — | $15K | 3.29% |
| 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 | $50K | $6K | $56K | 18.72% |
| LYNN A. CHIAVARO3 | 110 SUMMIT AVENUE MONTVALE, NJ 07645 | NORTHWESTERN MUTUAL | $22K | $5K | $27K | 12.27% |
| NM MORRISTOWN NJ3 | 10 MADISON AVENUE, SUITE 3 MORRISTOWN, NJ 07960 | NORTHWESTERN MUTUAL | $5K | $436 | $5K | 2.41% |
| HIRAM COHEN AND SON, INC.3 Filed as: HIRAM COHEN AND SON INC. | 486 WILLIS AVENUE WILLISTON PARK, NY 11596 | FEDERAL INSURANCE COMPANY | $618 | — | $618 | 15.01% |
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 | 599 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 610 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA LIFE INSURANCE COMPANY | 949 | $441K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 842 | $299K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 842 | $299K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 842 | $299K |
| Long-term disability(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 842 | $523K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 842 | $303K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 949 | — |
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.