| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL ST, 4TH FL BOSTON, MA 02110 | LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 15.12% |
| EDGEWOOD PARTNERS INSURANCE CENTER5 Filed as: EDGEWOOD PARTNERS INSURANCE | 350 HUDSON ST, 4TH FL NEW YORK, NY 10014 | LIFE INSURANCE COMPANY OF AMERICA | $515 | $1K | $2K | 7.09% |
| EMERSON REID LLC3 | 669 RIVER DRIVE CENTER II, STE 305 ELMWOOD PARK, NJ 07407 | LIFE INSURANCE COMPANY OF AMERICA | $294 | $964 | $1K | 5.18% |
| SELMAN & COMPANY, LLC3 Filed as: SELMAN & COMPANY LLC | 6110 PARKLAND BLVD CLEVELAND, OH 44124 | LIFE INSURANCE COMPANY OF AMERICA | — | $288 | $288 | 1.19% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL ST, 4TH FL BOSTON, MA 02110 | LIFE INSURANCE COMPANY OF AMERICA | $3K | — | $3K | 16.25% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INSURANCE | 350 HUDSON ST, 4TH FL NEW YORK, NY 10014 | LIFE INSURANCE COMPANY OF AMERICA | $398 | $1K | $2K | 9.06% |
| SELMAN & COMPANY, LLC3 Filed as: SELMAN & COMPANY LLC | 6110 PARKLAND BLVD CLEVELAND, OH 44124 | LIFE INSURANCE COMPANY OF AMERICA | $82 | $545 | $627 | 3.26% |
| ASSUREDPARTNERS3 Filed as: EMERSON RODGERS LLC | 669 RIVER DRIVE CENTER II, STE 305 ELMWOOD PARK, NJ 07407 | LIFE INSURANCE COMPANY OF AMERICA | — | $602 | $602 | 3.13% |
| EMERSON REID LLC3 | 669 RIVER DRIVE CENTER II, STE 305 ELMWOOD PARK, NJ 07407 | LIFE INSURANCE COMPANY OF AMERICA | $414 | — | $414 | 2.15% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL ST, 4TH FL BOSTON, MA 02110 | LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 10.83% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INSURANCE | 350 HUDSON ST, 4TH FL NEW YORK, NY 10014 | LIFE INSURANCE COMPANY OF AMERICA | $154 | $1K | $1K | 6.86% |
| SELMAN & COMPANY, LLC3 Filed as: SELMAN & COMPANY LLC | 6110 PARKLAND BLVD CLEVELAND, OH 44124 | LIFE INSURANCE COMPANY OF AMERICA | $74 | $506 | $580 | 3.34% |
| ASSUREDPARTNERS3 Filed as: EMERSON RODGERS LLC | 669 RIVER DRIVE CENTER II, STE 305 ELMWOOD PARK, NJ 07407 | LIFE INSURANCE COMPANY OF AMERICA | — | $468 | $468 | 2.70% |
| EMERSON REID LLC3 | 669 RIVER DRIVE CENTER II, STE 305 ELMWOOD PARK, NJ 07407 | LIFE INSURANCE COMPANY OF AMERICA | $361 | — | $361 | 2.08% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL ST, 4TH FL BOSTON, MA 02110 | LIFE INSURANCE COMPANY OF AMERICA | $740 | — | $740 | 10.87% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INSURANCE | 350 HUDSON ST, 4TH FL NEW YORK, NY 10014 | LIFE INSURANCE COMPANY OF AMERICA | $57 | $395 | $452 | 6.64% |
| SELMAN & COMPANY, LLC Filed as: SELMAN & COMPANY LLC | 669 RIVER DRIVE CENTER II, STE 305 CLEVELAND, OH 44124 | LIFE INSURANCE COMPANY OF AMERICA | $29 | $191 | $220 | 3.23% |
| ASSUREDPARTNERS Filed as: EMERSON RODGERS LLC | 669 RIVER DRIVE CENTER II, STE 305 ELMWOOD PARK, NJ 07407 | LIFE INSURANCE COMPANY OF AMERICA | — | $180 | $180 | 2.64% |
| EMERSON REID LLC | 669 RIVER DRIVE CENTER II, STE 305 ELMWOOD PARK, NJ 07404 | LIFE INSURANCE COMPANY OF AMERICA | $149 | — | $149 | 2.19% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL ST, 4TH FL BOSTON, MA 02110 | LIFE INSURANCE COMPANY OF AMERICA | $227 | — | $227 | 10.84% |
| SELMAN & COMPANY, LLC3 Filed as: SELMAN & COMPANY LLC | 6110 PARKLAND BLVD CLEVELAND, OH 44124 | LIFE INSURANCE COMPANY OF AMERICA | $9 | $61 | $70 | 3.34% |
| ASSUREDPARTNERS3 Filed as: EMERSON RODGERS LLC | 669 RIVER DRIVE CENTER II, STE 305 ELMWOOD PARK, NJ 07407 | LIFE INSURANCE COMPANY OF AMERICA | — | $56 | $56 | 2.67% |
| EDGEWOOD PARTNERS INSURANCE CENTER3 Filed as: EDGEWOOD PARTNERS INSURANCE | 350 HUDSON ST, 4TH FL NEW YORK, NY 10014 | LIFE INSURANCE COMPANY OF AMERICA | $19 | $34 | $53 | 2.53% |
| EMERSON REID LLC3 | 669 RIVER DRIVE CENTER II, STE 305 ELMWOOD PARK, NJ 07407 | LIFE INSURANCE COMPANY OF AMERICA | $44 | — | $44 | 2.10% |
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 | 101 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 101 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance | LIFE INSURANCE COMPANY OF AMERICA | 101 | $17K |
| Short-term disability | LIFE INSURANCE COMPANY OF AMERICA | 36 | $7K |
| Other(4 contracts) | LIFE INSURANCE COMPANY OF AMERICA | 101 | $63K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 101 | — |
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.
Multiple-employer welfare arrangement. Specific regulatory and compliance context; specific consultant niche.