| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMERSON REID LLC3 Filed as: EMERSON REID | 630 WEST GERMANTOWN PIKE PLYMOUTH MEETING, PA 19462 | INDEPENDENCE BLUE CROSS | $77K | — | $77K | 5.24% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 4000 MIDLANTIC DRIVE, SUITE 300 MOUNT LAUREL, NJ 08054 | INDEPENDENCE BLUE CROSS | $14K | $2K | $16K | 1.11% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC. | 1305 WALT WHITMAN ROAD, SUITE 310 MELVILLE, NY 11747 | METROPOLITAN LIFE INSURANCE COMPANY | $7K | $3K | $10K | 4.66% |
| TSG FINANCIAL LLC3 Filed as: TSG FINANCIAL, LLC | 1325 FRANKLIN AVENUE, SUITE 540 GARDEN CITY, NY 11530 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | — | $8K | 3.77% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 14TH FLOOR ITASCA, IL 60143 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 0.78% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 101 LARKSPUR LANDING CIRCLE SUITE 120 LARKSPUR, CA 94939 | METROPOLITAN LIFE INSURANCE COMPANY | — | $618 | $618 | 0.28% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC. | 669 RIVER DRIVE, SUITE 305 ELMWOOD PARK, NJ 07407 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $1K | $6K | 6.37% |
| TSG FINANCIAL LLC3 Filed as: TSG FINANCIAL, LLC | 1325 FRANKLIN AVENUE, SUITE 540 GARDEN CITY, NY 11530 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | — | $1K | 1.41% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 14TH FLOOR ITASCA, IL 60143 | METROPOLITAN LIFE INSURANCE COMPANY | $299 | $256 | $555 | 0.60% |
| MJ INSURANCE3 Filed as: DAVID E WYATT AND VARIOUS AGENTS | 1011 NORTH 49TH AVENUE OMAHA, NE 11432 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $169 | $2K | 4.31% |
| FRANK M DARTEE3 | 12 MOONSHADOW COURT KINNELON, NJ 07405 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $1K | $1 | $1K | 3.37% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1800 CHAPEL AVENUE WEST CHERRY HILL, NJ 08002 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $511 | $22 | $533 | 1.37% |
| SUSAN HENDRICKS3 | 6718 NORTH PALM CANYON DRIVE PHOENIX, AZ 85018 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $434 | — | $434 | 1.12% |
| RONALD OLIANO3 | 9 LONDON COURT NEWTOWN, PA 18940 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $419 | $14 | $433 | 1.12% |
| DONNA MARIE STOLL3 | 502 BOB LITTLE ROAD PANAMA CITY, FL 32404 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $382 | — | $382 | 0.98% |
| MICHELLE DARTEE3 | 12 MOONSHADOW COURT KINNELON, NJ 07405 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $321 | $12 | $333 | 0.86% |
| GALLAGHER BENEFIT SERVICES, INC. | 1800 CHAPEL AVENUE WEST SUITE 160 CHERRY HILL, NJ 08002 | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | $3K | — | $3K | 9.14% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC. | 261 MADISON AVENUE, SUITE 602 NEW YORK, NY 10016 | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | $2K | $556 | $2K | 6.48% |
| TSG FINANCIAL LLC3 Filed as: TSG FINANCIAL, LLC | 1325 FRANKLIN AVENUE GARDEN CITY, NY 11530 | VISION SERVICE PLAN | $821 | — | $821 | 5.11% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC. | 261 MADISON AVENUE, 6TH FLOOR NEW YORK, NY 10016 | VISION SERVICE PLAN | $804 | — | $804 | 5.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1800 CHAPEL AVENUE WEST SUITE 160 CHERRY HILL, NJ 08002 | VISION SERVICE PLAN | $145 | — | $145 | 0.90% |
| FRANK M DARTEE3 | 12 MOONSHADOW COURT KINNELON, NJ 07405 | THE PAUL REVERE LIFE INSURANCE COMPANY | $126 | — | $126 | 3.26% |
| TSG FINANCIAL LLC3 Filed as: TSG FINANCIAL, LLC | 1325 FRANKLIN AVENUE GARDEN CITY, NY 11530 | THE PAUL REVERE LIFE INSURANCE COMPANY | $97 | — | $97 | 2.51% |
| CLARICE R MIMS3 Filed as: CLARICE R. MIMS | 172-90 HIGHLAND AVENUE JAMAICA ESTATEES, NY 11432 | THE PAUL REVERE LIFE INSURANCE COMPANY | $43 | — | $43 | 1.11% |
| MICHELLE DARTEE3 | 12 MOONSHADOW COURT KINNELON, NJ 07405 | THE PAUL REVERE LIFE INSURANCE COMPANY | $33 | — | $33 | 0.85% |
| DANA SUMMERS3 Filed as: DANA SENNO SUMMERS | 90 WEST STREET NEW YORK, NY 10006 | THE PAUL REVERE LIFE INSURANCE COMPANY | $15 | — | $15 | 0.39% |
| DONNA MARIE STOLL3 | 502 BOB LITTLE ROAD PANAMA CITY, FL 32404 | THE PAUL REVERE LIFE INSURANCE COMPANY | $7 | — | $7 | 0.18% |
| PAULETTE VICTORIA WALKER3 Filed as: PAULETTE V. WALKER AND OTHER AGENTS | 1425 PARK PLACE BROOKLYN, NY 11213 | THE PAUL REVERE LIFE INSURANCE COMPANY | $7 | — | $7 | 0.18% |
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 | 181 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 187 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | INDEPENDENCE BLUE CROSS | 300 | $1.5M |
| Dental(2 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 506 | $316K |
| Vision(2 contracts, 2 carriers) | INDEPENDENCE BLUE CROSS | 300 | $1.5M |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 506 | $257K |
| Short-term disability | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | 192 | $34K |
| Long-term disability(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 506 | $257K |
| Prescription drug | INDEPENDENCE BLUE CROSS | 300 | $1.5M |
| Other(3 contracts, 3 carriers) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 192 | $76K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 506 | — |
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.
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.