| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY | 1305 WALT WHITMAN ROAD, SUITE 310 MELVILLE, NY 11747 | UNITED HEALTHCARE INSURANCE COMPANY | $2 | $4K | $4K | 0.30% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | PO BOX 654118 DALLAS, TX 75265 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $211 | $211 | 0.68% |
| LINDA W OLGUIN3 Filed as: LINDA E. MATTISON | 11205 NORTH 119TH WAY SCOTTSDALE, AZ 85259 | AFLAC | $278 | $17 | $295 | 3.14% |
| ARTHUR B GOLDBERG3 Filed as: ARTHUR B. GOLDBERG | 1741 ACADEMY LANE HAVERTOWN, PA 19083 | AFLAC | $220 | — | $220 | 2.34% |
| MARYANN M MEYERS3 Filed as: MARYANN M. MEYERS | 6704 PLEASURE AVENUE, SUITE B SEA ISLE CITY, NJ 08243 | AFLAC | $195 | — | $195 | 2.08% |
| MJ INSURANCE3 Filed as: ALBERT SHUST AND VARIOUS AGENTS | 200 CENTENNIAL AVENUE, SUITE 105 PISCATAWAY, NJ 08854 | AFLAC | $153 | $7 | $160 | 1.70% |
| LORENZO V CUTAIA3 Filed as: LORENZO V. CUTAIA | 123 AZALEA LANE EGG HARBOR TOWNSHIP, NJ 08234 | AFLAC | $131 | — | $131 | 1.39% |
| CORPORATE SYNERGIES GROUP LLC3 Filed as: CORPORATE SYNERGIES GROUP, LLC | 5000 DEARBORN CIRCLE, SUITE 100 MOUNT LAUREL, NJ 08054 | AFLAC | $126 | — | $126 | 1.34% |
| JEANNE COKER3 Filed as: JEANNE JENNETTA | 550 CENTRAL AVENUE LINWOOD, NJ 08221 | AFLAC | $96 | $3 | $99 | 1.05% |
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 | 146 | 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) | 146 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 265 | $1.2M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 132 | $107K |
| Vision | UNITED HEALTHCARE INSURANCE COMPANY | 265 | $1.2M |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 138 | $59K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 138 | $59K |
| Prescription drug | UNITED HEALTHCARE INSURANCE COMPANY | 265 | $1.2M |
| Other(4 contracts, 4 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 146 | $102K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 265 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.