| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CAMBRIDGE LIFE BROKERAGE LLC3 | 24 MERKEL DR BLOOMFIELD, NJ 07003 | STARMOUNT LIFE INSURANCE COMPANY | $12K | $851 | $13K | 12.00% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PARKWAY SUITE 320 BLUE BELL, PA 19422 | STARMOUNT LIFE INSURANCE COMPANY | — | $6K | $6K | 5.42% |
| CAMBRIDGE LIFE BROKERAGE LLC3 | 1 COPPERFIELD WAY MORRISTOWN, NJ 07960 | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | $5K | — | $5K | 5.55% |
| EMERSON REID LLC3 | 669 RIVER DRIVE CENTER II SUITE 305 ELMWOOD PARK, NJ 07407 | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | — | $5K | $5K | 5.00% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 669 RIVER DRIVE CENTER II SUITE 305 ELMWOOD PARK, NJ 07407 | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | — | $1K | $1K | 1.14% |
| CAMBRIDGE LIFE BROKERAGE LLC3 | 1 COPPERFIELD WAY MORRISTOWN, NJ 07960 | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | $5K | — | $5K | 7.04% |
| EMERSON REID LLC3 | 669 RIVER DRIVE CENTER II SUITE 305 ELMWOOD PARK, NJ 07407 | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | — | $3K | $3K | 5.00% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 669 RIVER DRIVE CENTER II SUITE 305 ELMWOOD PARK, NJ 07407 | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | — | $1K | $1K | 2.03% |
| CAMBRIDGE LIFE BROKERAGE LLC3 | 1 COPPERFIELD WAY MORRISTOWN, NJ 07960 | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | $1K | — | $1K | 10.00% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 669 RIVER DRIVE CENTER II SUITE 305 ELMWOOD PARK, NJ 07407 | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | — | $705 | $705 | 6.19% |
| EMERSON REID LLC3 | 669 RIVER DRIVE CENTER II SUITE 305 ELMWOOD PARK, NJ 07407 | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | — | $569 | $569 | 5.00% |
| CAMBRIDGE LIFE BROKERAGE LLC3 | 1 COPPERFIELD WAY MORRISTOWN, NJ 07960 | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | $1K | — | $1K | 10.00% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 669 RIVER DRIVE CENTER II SUITE 305 ELMWOOD PARK, NJ 07407 | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | — | $708 | $708 | 6.22% |
| EMERSON REID LLC3 | 669 RIVER DRIVE CENTER II SUITE 305 ELMWOOD PARK, NJ 07407 | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | — | $569 | $569 | 5.00% |
| CAMBRIDGE LIFE BROKERAGE LLC3 | 1 COPPERFIELD WAY MORRISTOWN, NJ 07960 | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | $190 | — | $190 | 10.01% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 669 RIVER DRIVE CENTER II SUITE 305 ELMWOOD PARK, NJ 07407 | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | — | $117 | $117 | 6.16% |
| EMERSON REID LLC3 | 669 RIVER DRIVE CENTER II SUITE 305 ELMWOOD PARK, NJ 07407 | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | — | $95 | $95 | 5.01% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| NORTH AMERICAN SPECIALTY INC EIN 46-2429042 STOP LOSS CARRIER | Insurance services Service code 23 | 51149 WHITETAIL RD OSSEO, WI 54858 | $314K |
| CUSTOM DESIGN BENEFITS LLC EIN 81-0798821 CLAIMS PROCESSOR | Claims processing Service code 12 | 5589 CHEVIOT RD CINCINNATI, OH 45247 | $114K |
| RX RESULTS EIN 26-3233073 PRESCRIPTION AUTH | Direct payment from the plan; Other services; Claims processing Service code 12 | 17300 CHENAL PARKWAY SUITE 340 LITTLE ROCK, AR 72223 | $7K |
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 | 305 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 305 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | SWISS RE CORPORATE SOLUTIONS | 142 | $314K |
| Life insurance(2 contracts) | STARMOUNT LIFE INSURANCE COMPANY | 183 | $105K |
| Long-term disability | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | 0 | $91K |
| Other(5 contracts) | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | 0 | $185K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 183 | — |
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.