| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC. | 669 RIVER DRIVE, SUITE 305 ELMWOOD PARK, NJ 07407 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | — | $8K | 3.62% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 14TH FLOOR ITASCA, IL 60143 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $41 | $5K | 2.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | 0.95% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC. | 669 RIVER DRIVE, SUITE 305 ELMWOOD PARK, NJ 07407 | METROPOLITAN LIFE INSURANCE COMPANY | — | $2K | $2K | 0.84% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 4000 MIDLANTIC DRIVE, SUITE 300 MOUNT LAUREL, NJ 08054 | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | $19K | — | $19K | 9.48% |
| FRANK M DARTEE3 Filed as: FRANK M. DARTEE | 12 MOONSHADOW COURT KINNELON, NJ 07405 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $497 | $33 | $530 | 2.22% |
| MJ INSURANCE3 Filed as: MICHELLE DARTEE AND VARIOUS AGENTS | 12 MOONSHADOW COURT KINNELON, NJ 07405 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $457 | $18 | $475 | 1.99% |
| SUSAN HENDRICKS3 | 6718 NORTH PALM CANYON DRIVE PHOENIX, AZ 85018 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $267 | — | $267 | 1.12% |
| DONNA MARIE STOLL3 | 502 BOB LITTLE ROAD PANAMA CITY, FL 32404 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $214 | — | $214 | 0.90% |
| RONALD OLIANO3 | 9 LONDON COURT NEWTOWN, PA 18940 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $125 | $1 | $126 | 0.53% |
| TSG FINANCIAL LLC3 Filed as: TSG FINANCIAL, LLC | 1325 FRANKLIN AVENUE GARDEN CITY, NY 11530 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $109 | — | $109 | 0.46% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 1800 CHAPEL AVENUE WEST CHERRY HILL, NJ 08002 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $88 | $3 | $91 | 0.38% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC. | 261 MADISON AVENUE, 6TH FLOOR NEW YORK, NY 10016 | VISION SERVICE PLAN | $1K | — | $1K | 5.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, SUITE 1000 ROLLING MEADOWS, IL 60008 | VISION SERVICE PLAN | $610 | — | $610 | 2.84% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 4000 MIDLANTIC DRIVE MOUNT LAUREL, NJ 08054 | VISION SERVICE PLAN | $541 | — | $541 | 2.51% |
| FRANK M DARTEE3 Filed as: FRANK M. DARTEE | 12 MOONSHADOW COURT KINNELON, NJ 07405 | THE PAUL REVERE LIFE INSURANCE COMPANY | $43 | — | $43 | 2.89% |
| TSG FINANCIAL LLC3 Filed as: TSG FINANCIAL, LLC | 1325 FRANKLIN AVENUE GARDEN CITY, NY 11530 | THE PAUL REVERE LIFE INSURANCE COMPANY | $37 | — | $37 | 2.49% |
| MICHELLE DARTEE3 | 12 MOONSHADOW COURT KINNELON, NJ 07405 | THE PAUL REVERE LIFE INSURANCE COMPANY | $11 | — | $11 | 0.74% |
| DONNA MARIE STOLL3 | 502 BOB LITTLE ROAD PANAMA CITY, FL 32404 | THE PAUL REVERE LIFE INSURANCE COMPANY | $7 | — | $7 | 0.47% |
| CLARICE R MIMS3 Filed as: CLARICE R. MIMS | 172-90 HIGHLAND AVENUE JAMAICA ESTATES, NY 11432 | THE PAUL REVERE LIFE INSURANCE COMPANY | $3 | — | $3 | 0.20% |
| DIANE G. DAVIDSON3 | 72 HIGH STREET BUTLER, NJ 07405 | THE PAUL REVERE LIFE INSURANCE COMPANY | $1 | — | $1 | 0.07% |
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 |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 605 | $229K |
| Vision | VISION SERVICE PLAN | 190 | $22K |
| Life insurance | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | 227 | $197K |
| Short-term disability | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | 227 | $197K |
| Long-term disability | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | 227 | $197K |
| Other(3 contracts, 3 carriers) | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | 227 | $223K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 605 | — |
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."
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.