| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PARKWAY WEST, SUITE 320 BLUE BELL, PA 19422 | METROPOLITAN LIFE INSURANCE COMPANY | $13K | $3K | $16K | 6.06% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW YORK LLC | 1055 RXR PLAZA UNIONDALE, NY 11556 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $0 | $6K | 2.29% |
| MMG AGENCY INC.3 Filed as: MMG AGENCY INC | 1145 FOREST AVENUE STATEN ISLAND, NY 10310 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $11K | $0 | $11K | 6.55% |
| USI INSURANCE SERVICES LLC3 | 200 SUMMIT LAKE DRIVE, SUITE 350 VALHALLA, NY 10595 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $2K | $650 | $2K | 1.28% |
| HILB GROUP OF NEW ENGLAND3 Filed as: THE HILB GROUP OF NEW YORK LLC | 653 FOREST AVENUE STATEN ISLAND, NY 10310 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | $0 | $2K | 6.51% |
| USI INSURANCE SERVICES LLC3 | 261 MADISON AVENUE NEW YORK, NY 10016 | UNITEDHEALTHCARE INSURANCE COMPANY | $1K | $0 | $1K | 4.42% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PARKWAY WEST, SUITE 320 BLUE BELL, PA 19422 | UNITEDHEALTHCARE INSURANCE COMPANY | $978 | $0 | $978 | 3.26% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PARKWAY WEST, SUITE 320 BLUE BELL, PA 19422 | COMPANION LIFE INSURANCE COMPANY | $504 | $877 | $1K | 16.31% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62939 VIRGINIA BEACH, VA 23466 | COMPANION LIFE INSURANCE COMPANY | $342 | $0 | $342 | 4.04% |
| MACARIO CORPORATION3 | 15400 28TH AVENUE NORTH, SUITE 200 PLYMOUTH, MN 55447 | COMPANION LIFE INSURANCE COMPANY | $0 | $171 | $171 | 2.02% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PARKWAY WEST, SUITE 320 BLUE BELL, PA 19422 | MUTUAL OF OMAHA INSURANCE COMPANY | $121 | $241 | $362 | 17.83% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62939 VIRGINIA BEACH, VA 23466 | MUTUAL OF OMAHA INSURANCE COMPANY | $82 | $0 | $82 | 4.04% |
| MACARIO CORPORATION3 | 15400 28TH AVENUE NORTH, SUITE 200 PLYMOUTH, MN 55447 | MUTUAL OF OMAHA INSURANCE COMPANY | $0 | $41 | $41 | 2.02% |
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 | 216 | 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) | 216 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 676 | $271K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 250 | $30K |
| Life insurance(2 contracts, 2 carriers) | COMPANION LIFE INSURANCE COMPANY | 268 | $10K |
| Short-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 268 | $174K |
| Long-term disability | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 268 | $174K |
| Other | MUTUAL OF OMAHA INSURANCE COMPANY | 268 | $2K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 676 | — |
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.