| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOHNSON KENDALL AND JOHNSON3 Filed as: JOHNSON KENDALL & JOHNSON BENEFITS | — | AETNA LIFE INSURANCE CO. | $890 | $45K | $46K | 4.20% |
| NORTH RISK PARTNERS LLC3 Filed as: NORTH RISK PARTNERS LLC DBA BEARENC | 1045 76TH STREET SUITE 4000 WEST DES MOINES, IA 50266 | DELTA DENTAL OF NEW JERSEY, INC. | $3K | — | $3K | 4.54% |
| NORTH RISK PARTNERS LLC3 Filed as: NORTH RISK PARTNERS | 1045 76TH STREET SUITE 4000 WEST DES MOINES, IA 50266 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 8.30% |
| EMERSON REID LLC3 | 669 RIVER DRIVE CENTER II SUITE 305 ELMWOOD PARK, NJ 07407 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $716 | $519 | $1K | 4.62% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 669 RIVER DRIVE CENTER II SUITE 205 ELMWOOD PARK, NJ 07407 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $571 | $571 | 2.14% |
| NORTH RISK PARTNERS LLC3 Filed as: NORTH RISK PARTNERS | 1045 76TH STREET SUITE 4000 WEST DES MOINES, IA 50266 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 14.35% |
| EMERSON REID LLC3 | 669 RIVER DRIVE CENTER II SUITE 305 ELMWOOD PARK, NJ 07407 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $680 | $1K | $2K | 6.75% |
| JOHNSON KENDALL AND JOHNSON3 Filed as: JOHNSON KENDALL AND JOHNSON BENEFIT | 109 PHEASANT RUN NEWTOWN, PA 18940 | VISION SERVICE PLAN | $796 | — | $796 | 6.31% |
| BEARENCE MGMT GROUP LLC3 Filed as: BEARENCE MANAGMENT GROUP LLC | 1045 76TH STREET SUITE 4000 WEST DES MOINES, IA 50266 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $566 | — | $566 | 5.97% |
| EMERSON REID LLC3 | 1787 SENTRY PARKWAY WEST VEVA BUILDING 16 SUITE 320 BLUE BELL, PA 19422 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $566 | — | $566 | 5.97% |
| BEARENCE MANAGEMENT GROUP LLC3 | 1045 76TH STREET SUITE 4000 WEST DES MOINES, IA 50266 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | — | $1K | 12.04% |
| EMERSON REID LLC3 | 1787 SENTRY PARKWAY WEST VEVA BUILDING 16 SUITE 320 BLUE BELL, PA 19422 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $728 | — | $728 | 7.99% |
| NORTH RISK PARTNERS LLC3 Filed as: NORTH RISK PARTNERS | 1045 76TH STREET SUITE 4000 WEST DES MOINES, IA 50266 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $187 | — | $187 | 9.13% |
| EMERSON REID LLC3 | 669 RIVER DRIVE CENTER II SUITE 205 ELMWOOD PARK, NJ 07407 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $55 | $86 | $141 | 6.88% |
| EMERSON REID LLC3 | 1787 SENTRY PARKWAY WEST VEVA BUILDING 16 SUITE 320 BLUE BELL, PA 19422 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $46 | — | $46 | 5.97% |
| BEARENCE MANAGEMENT GROUP LLC3 | 1045 76TH STREET SUITE 4000 WEST DES MOINES, IA 50266 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $46 | — | $46 | 5.97% |
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 | 121 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 121 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 145 | $1.1M |
| Dental | DELTA DENTAL OF NEW JERSEY, INC. | 88 | $55K |
| Vision | VISION SERVICE PLAN | 81 | $13K |
| Life insurance(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 93 | $36K |
| Long-term disability(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 64 | $35K |
| Other(5 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 93 | $48K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 145 | — |
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.