| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MY BENEFIT ADVISOR LLC | 669 RIVER DRIVE CENTER II ELMWOOD PARK, NJ 07407 | HARTFORD LIFE AND ACCIDENT | $7K | $654 | $8K | 11.94% |
| GLYNIS FIONA ROBERTS Filed as: GLYNIS FIONA ROBERTS - EMERSON ROGE | 669 RIVER DRIVE CENTER II ELMWOOD PK, NJ 07407 | HIGHMARK INC | $730 | $0 | $730 | 4.96% |
| AVON M SCHERFF Filed as: AVON M SCHERIFF | 143 HUBBS RD UNIT B BALLSTON LAKE, NY 12019 | HIGHMARK INC | $224 | $0 | $224 | 1.52% |
| ASSUREDPARTNERS Filed as: EMERSON ROGERS LLC | 7000 STONEWOOD DRIVE STE 251 WEXFORD, PA 15090 | GUARDIAN | $1K | $0 | $1K | 15.29% |
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 | 132 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 132 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | GUARDIAN | 118 | $9K |
| Vision | HIGHMARK INC | 115 | $15K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 132 | $65K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 132 | $65K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 132 | — |
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.