| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CAMBRIDGE LIFE BROKERAGE LLC3 | 44 WASHINGTON ST UNIT 1099 MORRISTOWN, NJ 07960 | UNITEDHEALTHCARE INSURANCE COMPANY | $13K | — | $13K | 2.62% |
| ARTHUR T GRUTT JR3 | 44 WASHINGTON ST # 1099 MORRISTOWN, NJ 07960 | UNITEDHEALTHCARE INSURANCE COMPANY | $13K | — | $13K | 2.57% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC PA DE | 1787 SENTRY PKWY W VEVA 16 STE 320 BLUE BELL, PA 19422 | UNITEDHEALTHCARE INSURANCE COMPANY | $1 | $4K | $4K | 0.84% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC | 225 WIRELESS BLVD STE 200 HAUPPAUGE, NY 11788 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $4K | $4K | 0.82% |
| CAMBRIDGE LIFE BROKERAGE LLC3 | 875 AVENUE OF THE AMERICAS NEW YORK, NY 10001 | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | $2K | — | $2K | 5.91% |
| CAMBRIDGE LIFE BROKERAGE LLC3 Filed as: CAMBRIDGE LIFE BROKERAGE | 1 COPPERFIELD WAY MORRISTOWN, NJ 07960 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | — | $2K | 12.50% |
| EMERSON REID LLC3 | 669 RIVER DRIVE CENTER II ELMWOOD PARK, NJ 07407 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $517 | $517 | 4.17% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 669 RIVER DRIVE CENTER II ELMWOOD PARK, NJ 07407 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $249 | $249 | 2.01% |
| CAMBRIDGE LIFE BROKERAGE LLC3 | 1 COPPERFIELD WAY MORRISTOWN, NJ 07960 | VISION SERVICE PLAN | $877 | — | $877 | 7.20% |
| CAMBRIDGE LIFE BROKERAGE LLC3 Filed as: CAMBRIDGE LIFE BROKERAGE | 1 COPPERFIELD WAY MORRISTOWN, NJ 07960 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $761 | — | $761 | 9.84% |
| EMERSON REID LLC3 | 669 RIVER DRIVE CENTER II ELMWOOD PARK, NJ 07407 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $317 | $317 | 4.10% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 669 RIVER DRIVE CENTER II ELMWOOD PARK, NJ 07407 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $146 | $146 | 1.89% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF NEW JERSEY | 1317 ROUTE 73 SOUTH MOUNT LAUREL, NJ 08054 | LIFE INSURANCE COMPANY OF NORTH AMERICA | -$32 | — | -$32 | -0.41% |
| CAMBRIDGE LIFE BROKERAGE LLC3 Filed as: CAMBRIDGE LIFE BROKERAGE | 1 COPPERFIELD WAY MORRISTOWN, NJ 07960 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $97 | — | $97 | 10.04% |
| EMERSON REID LLC3 | 669 RIVER DRIVE CENTER II ELMWOOD PARK, NJ 07407 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $40 | $40 | 4.14% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 669 RIVER DRIVE CENTER II ELMWOOD PARK, NJ 07407 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $19 | $19 | 1.97% |
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 | 124 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 124 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 74 | $487K |
| Dental | AETNA LIFE INSURANCE COMPANY AND AFFILIATES | 116 | $33K |
| Vision | VISION SERVICE PLAN | 60 | $12K |
| Other(3 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 124 | $21K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 124 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.