| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| MY BENEFIT ADVISOR LLC3 | RIVER DRIVE CENTER II 669 RIVER DRIVE ELMWOOD PARK, NJ 07407 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | — | $3K | 5.00% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | 1787 SENTRY PARKWAY WEST SUITE 320 BLUE BELL, PA 19422 | PRINCIPAL LIFE INSURANCE COMPANY | — | $3K | $3K | 4.96% |
| BROKERNET INC3 | 110 NORTHWOODS BOULEVARD SUITE C COLUMBUS, OH 43235 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 5.90% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PARKWAY WEST SUITE 300 BLUE BELL, PA 19422 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 5.00% |
| BROKERNET INC3 | 110 NORTHWOODS BOULEVARD SUITE C COLUMBUS, OH 43235 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 9.29% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PARKWAY WEST SUITE 300 BLUE BELL, PA 19422 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 5.00% |
| ADVANCED INSURANCE DESIGNS INC3 Filed as: ADVANCED INSURANCE DESIGNS, INC. | 312 NORTH CLEVELAND MASSILLON ROAD AKRON, OH 44333 | VISION SERVICE PLAN | $940 | — | $940 | 5.14% |
| THOMAS S FARRO3 Filed as: THOMAS FARRO | 312 NORTH CLEVELAND MASSILLON ROAD AKRON, OH 44333 | VISION SERVICE PLAN | $118 | — | $118 | 0.64% |
| BROKERNET INC3 | 110 NORTHWOODS BOULEVARD SUITE C COLUMBUS, OH 43235 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | — | $2K | 14.09% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PARKWAY WEST SUITE 300 BLUE BELL, PA 19422 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $862 | — | $862 | 5.00% |
| BROKERNET INC3 | 110 NORTHWOODS BOULEVARD SUITE C COLUMBUS, OH 43235 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $492 | — | $492 | 15.00% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PARKWAY WEST SUITE 300 BLUE BELL, PA 19422 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $164 | — | $164 | 5.00% |
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. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 10 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 143 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 100 | $56K |
| Vision | VISION SERVICE PLAN | 94 | $18K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 177 | $51K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 175 | $26K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 104 | $17K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 143 | $554K |
| Other(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 177 | $54K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 177 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.