| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF NEW JERSEY LLC | PO BOX 1868 CRANFORD, NJ 07016 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $58K | $58K | 4.80% |
| AP BENEFIT ADVISORS, LLC3 Filed as: AP BENEFIT ADVISORS LLC | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $26K | $26K | 2.15% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS OF NEW JERSEY LLC | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $3K | — | $3K | 0.28% |
| DONALD C SAVOY INC3 Filed as: DONALD F LAPENNA ASSOC | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $590 | $590 | 0.05% |
| EMERSON REID LLC3 Filed as: EMERSON REID & COMPANY, INC. | 1787 SENTRY PARKWAY WEST VEVA 16 SUITE 320 BLUE BELL, PA 19422 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | -$604 | -$604 | -0.05% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF NEW JERSEY LLC | 20 COMMERCE DRIVE SUITE 200 CRANFORD, NJ 07016 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | $17 | $12K | 26.46% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO INC | 1787 SENTRY PARKWAY WEST SUITE 320 BUILDING 16 BLUE BELL, PA 19422 | METROPOLITAN LIFE INSURANCE COMPANY | — | $3K | $3K | 6.18% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO INC | 1787 SENTRY PARKWAY WEST SUITE 320 BUILDING 16 BLUE BELL, PA 19422 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 5.59% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF NEW JERSEY LLC | 20 COMMERCE DRIVE SUITE 200 CRANFORD, NJ 07016 | METROPOLITAN LIFE INSURANCE COMPANY | $625 | $17 | $642 | 5.18% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO INC | 1787 SENTRY PARKWAY WEST SUITE 320 BUILDING 16 BLUE BELL, PA 19422 | METROPOLITAN LIFE INSURANCE COMPANY | $481 | — | $481 | 3.88% |
| LIAZON BENEFITS INC3 | 199 SCOTT STREET FLOOR 8 BUFFALO, NY 14204 | METROPOLITAN LIFE INSURANCE COMPANY | — | $150 | $150 | 1.21% |
| LIAZON BENEFITS INC3 | 199 SCOTT STREET FLOOR 8 BUFFALO, NY 14204 | METROPOLITAN LIFE INSURANCE COMPANY | — | $149 | $149 | 1.20% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO INC | 1787 SENTRY PARKWAY WEST SUITE 320 BUILDING 16 BLUE BELL, PA 19422 | METROPOLITAN LIFE INSURANCE COMPANY | — | $67 | $67 | 0.54% |
| ASSUREDPARTNERS3 Filed as: ASSURED PARTNERS OF NEW JERSEY LLC | 20 COMMERCE DRIVE SUITE 200 CRANFORD, NJ 07016 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $17 | $1K | 15.65% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO INC | 1787 SENTRY PARKWAY WEST SUITE 320 BUILDING 16 BLUE BELL, PA 19422 | METROPOLITAN LIFE INSURANCE COMPANY | $361 | — | $361 | 4.02% |
| LIAZON BENEFITS INC3 | 199 SCHOTT STREET FLOOR 8 BUFFALO, NY 14204 | METROPOLITAN LIFE INSURANCE COMPANY | — | $106 | $106 | 1.18% |
| LIAZON BENEFITS INC3 | 199 SCOTT STREET FLOOR 8 BUFFALO, NY 14204 | METROPOLITAN LIFE INSURANCE COMPANY | — | $85 | $85 | 0.95% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO INC | 1787 SENTRY PARKWAY WEST SUITE 320 BUILDING 16 BLUE BELL, PA 19422 | METROPOLITAN LIFE INSURANCE COMPANY | — | $49 | $49 | 0.55% |
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 | 135 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 9 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 147 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 133 | $1.2M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 133 | $1.2M |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 121 | $46K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 121 | $46K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 121 | $46K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 121 | $46K |
| Other(3 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 129 | $67K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 133 | — |
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.