| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CBDI, INC.3 Filed as: CBDI | 9 EVES DRIVE, SUITE 150 MARLTON, NJ 08053 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | — | $3K | 4.05% |
| EMERSON REID LLC3 Filed as: EMERSON REID, LLC | 1305 WALT WHITMAN ROAD, SUITE 310 MELVILLE, NY 11747 | LINCOLN NATIONAL LIFE INSURANCE COMPANY | $351 | — | $351 | 0.55% |
| CBDI, INC.3 Filed as: CBDI INC | 9 EVES DRIVE, SUITE 150 MARLTON, NJ 08053 | PRINCIPAL LIFE INSURANCE COMPANY | $5K | — | $5K | 10.00% |
| EMERSON REID LLC3 Filed as: EMERSON REID, LLC | 261 MADISON AVENUE, SUITE 602 NEW YORK, NY 10016 | PRINCIPAL LIFE INSURANCE COMPANY | $521 | — | $521 | 1.12% |
| CBDI, INC.3 Filed as: CBDI | 9 EVES DRIVE, SUITE 150 MARLTON, NJ 08053 | AMERICAN NATIONAL INSURANCE CO | $20K | — | $20K | — |
| INSURANCE DESIGN ADMINISTRATORS3 | 153 BAUER DRIVE OAKLAND, NJ 07436 | AMERICAN NATIONAL INSURANCE CO | $20K | — | $20K | — |
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 | 137 | 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) | 137 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AMERICAN NATIONAL INSURANCE CO | 132 | $0 |
| Dental | LINCOLN NATIONAL LIFE INSURANCE COMPANY | 133 | $63K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 137 | $46K |
| Short-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 137 | $46K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 137 | $46K |
| Prescription drug | AMERICAN NATIONAL INSURANCE CO | 132 | $0 |
| Stop-loss / reinsurancereinsurance | AMERICAN NATIONAL INSURANCE CO | 132 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 137 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.