| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AP BENEFIT ADVISORS, LLC3 | 200 INTERNATIONAL CIRCLE SUITE 4500 HUNT VALLEY, MD 21030 | SUN LIFE ASSURANCE COMPANY OF CANADA | — | $4K | $4K | 0.97% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO, INC. | 660 RIVER DRIVE CENTER II, SUITE 305 ELMWOOD PARK, NJ 07407 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $452 | $4K | 6.42% |
| AP BENEFIT ADVISORS, LLC3 | 21 E 5TH AVE SUITE 204 CONSHOHOCKEN, PA 19428 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | — | $3K | 4.97% |
| ASSUREDPARTNERS3 Filed as: ASSUREDPARTNERS, LLC | 200 INTERNATIONAL DRIVE SUITE 4500 HUNT VALLEY, MD 21030 | METROPOLITAN LIFE INSURANCE COMPANY | — | $595 | $595 | 1.05% |
| THE ELITE GROUP LLC3 Filed as: ELITE GROUP, LLC. | 5 GREAT VALLEY PARKWAY SUITE 355 MALVERN, PA 19355 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $1K | — | $1K | 3.42% |
| TOMPKINS INSURANCE AGENCIES3 Filed as: TOMPKINS INSURANCE AGENCIES, INC. | 90 MAIN STREET BATAVIA, NY 14020 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $917 | — | $917 | 2.73% |
| JUAN J MORENO3 Filed as: JUAN MORENO | 21 VACARI WAY LITTLE EGG HARBOR, NJ 08087 | AMERICAN HERITAGE LIFE INSURANCE COMPANY | $53 | — | $53 | 0.16% |
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 | 250 | 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) | 250 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | INDEPENDENCE ADMINISTRATORS | 170 | $0 |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 250 | $56K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 160 | $10K |
| Life insurance | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 21 | $34K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 167 | $403K |
| Other | AMERICAN HERITAGE LIFE INSURANCE COMPANY | 21 | $34K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 250 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.