| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE CAPITAL GROUP LLC3 | 6720B ROCKLEDGE DR BETHESDA, MD 20817 | AETNA LIFE INSURANCE COMPANY | $19K | — | $19K | 2.61% |
| CAMBRIDGE LIFE BROKERAGE LLC3 | 875 AVENUE OF THE AMERICAS 350 FIFTH AVENUE, SUITE 3700 NEW YORK, NY 10001 | DELTA DENTAL OF NEW JERSEY, INC. | $10K | — | $10K | 4.98% |
| EBSME LLC3 Filed as: EBSME INC. | PO BOX 120 MOUNT AIRY, MD 21771 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $8K | $345 | $8K | 30.38% |
| THE CAPITAL GROUP LLC3 Filed as: THE CAPITAL GROUP | 6720-B ROCKLEDGE DR SUITE 400 BETHESDA, MD 20817 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | $74 | $2K | 7.15% |
| THE CAPITAL GROUP LLC3 | 6720B ROCKLEDGE DR BETHESDA, MD 20817 | EYEMED | $845 | — | $845 | 11.22% |
| EMERSON REID LLC3 | 1787 SENTRY PARKWAY SUITE 320 BLUE BELL, PA 19422 | SUN LIFE ASSURANCE COMPANY OF CANADA | $24 | — | $24 | 2.50% |
| CAMBRIDGE LIFE BROKERAGE LLC3 | 875 AVENUE OF THE AMERICAS 350 FIFTH AVENUE, SUITE 3700 NEW YORK, NY 10001 | SUN LIFE ASSURANCE COMPANY OF CANADA | $11 | — | $11 | 1.14% |
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 | 90 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 90 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 144 | $737K |
| Dental | DELTA DENTAL OF NEW JERSEY, INC. | 274 | $193K |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 25 | $26K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 25 | $26K |
| Other(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 25 | $27K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 274 | — |
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."
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.