| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CAMBRIDGE LIFE BROKERAGE LLC3 | 875 AVENUE OF THE AMERICAS NEW YORK, NY 10001 | METROPOLITAN LIFE INSURANCE COMPANY | $12K | — | $12K | 10.07% |
| EMERSON REID LLC3 | 1787 SENTRY PARKWAY SUITE 320 BLUE BELL, PA 19422 | METROPOLITAN LIFE INSURANCE COMPANY | $6K | $4K | $10K | 8.27% |
| CAMBRIDGE LIFE BROKERAGE LLC3 | 1 COPPERFIELD WAY MORRISTOWN, NJ 07960 | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | $4K | — | $4K | 7.12% |
| EMERSON REID LLC3 | 1787 SENTRY PARKWAY SUITE 320 BLUE BELL, PA 19422 | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | — | $3K | $3K | 5.00% |
| CAMBRIDGE LIFE BROKERAGE LLC3 | 1 COPPERFIELD WAY MORRISTOWN, NJ 07960 | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | $3K | — | $3K | 7.49% |
| EMERSON REID LLC3 | 1787 SENTRY PARKWAY SUITE 320 BLUE BELL, PA 19422 | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | — | $2K | $2K | 5.00% |
| CAMBRIDGE LIFE BROKERAGE LLC3 | 1 COPPERFIELD WAY MORRISTOWN, NJ 07960 | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | $3K | — | $3K | 10.00% |
| EMERSON REID LLC3 | 1787 SENTRY PARKWAY SUITE 320 BLUE BELL, PA 19422 | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | — | $1K | $1K | 5.00% |
| CAMBRIDGE LIFE BROKERAGE LLC3 | 1 COPPERFIELD WAY MORRISTOWN, NJ 07960 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $2K | — | $2K | 54.03% |
| EMERSON REID LLC3 | 1787 SENTRY PARKWAY SUITE 320 BLUE BELL, PA 19422 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $860 | $1K | $2K | 50.86% |
| HORAN ASSOCIATES INC.3 | 8044 MONTGOMERY RD #640 CINCINNATI, OH 45236 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $32 | — | $32 | 0.75% |
| EMERSON REID LLC3 | 1787 SENTRY PARKWAY SUITE 320 BLUE BELL, PA 19422 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $1K | $1K | 34.59% |
| CAMBRIDGE LIFE BROKERAGE LLC3 | 1 COPPERFIELD WAY MORRISTOWN, NJ 07960 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $833 | — | $833 | 21.41% |
| HORAN ASSOCIATES INC.3 | 8044 MONTGOMERY RD #640 CINCINNATI, OH 45236 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $10 | — | $10 | 0.26% |
| CAMBRIDGE LIFE BROKERAGE LLC3 | 1 COPPERFIELD WAY MORRISTOWN, NJ 07960 | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | $484 | — | $484 | 14.98% |
| EMERSON REID LLC3 | 1787 SENTRY PARKWAY SUITE 320 BLUE BELL, PA 19422 | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | — | $161 | $161 | 4.98% |
| CAMBRIDGE LIFE BROKERAGE LLC3 | 1 COPPERFIELD WAY MORRISTOWN, NJ 07960 | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | $319 | — | $319 | 10.01% |
| EMERSON REID LLC3 | 1787 SENTRY PARKWAY SUITE 320 BLUE BELL, PA 19422 | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | — | $159 | $159 | 4.99% |
| EMERSON REID LLC3 | 1787 SENTRY PARKWAY SUITE 320 BLUE BELL, PA 19422 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $404 | $404 | 50.63% |
| CAMBRIDGE LIFE BROKERAGE LLC3 | 1 COPPERFIELD WAY MORRISTOWN, NJ 07960 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $84 | — | $84 | 10.53% |
| HORAN ASSOCIATES INC.3 | 8044 MONTGOMERY RD #640 CINCINNATI, OH 45236 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | -$5 | — | -$5 | -0.63% |
| EMERSON REID LLC3 | 1787 SENTRY PARKWAY SUITE 320 BLUE BELL, PA 19422 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $101 | $101 | 33.22% |
| CAMBRIDGE LIFE BROKERAGE LLC3 | 1 COPPERFIELD WAY MORRISTOWN, NJ 07960 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $35 | — | $35 | 11.51% |
| HORAN ASSOCIATES INC.3 | 8044 MONTGOMERY RD #640 CINCINNATI, OH 45236 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $11 | — | $11 | 3.62% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| NORTH AMERICAN SPECIALTY INS STOP LOSS CARRIER | Insurance services; Actuarial Service code 11 | 650 ELM ST SUITE 600 MANCHESTER, NH 03101 | $268K |
| CUSTOM DESIGN BENEFITS LLC EIN 81-0798821 CLAIMS PROCESSOR | Claims processing Service code 12 | — | $90K |
| CAMBRIDGE LIFE BROKERAGE LLC BROKER | Insurance agents and brokers Service code 22 | 875 AVENUE OF THE AMERICAS NEW YORK, NY 10001 | $35K |
| RX RESULTS EIN 26-3233073 PRESCRIPTION ADMIN | Claims processing Service code 12 | — | $8K |
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 | 280 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 280 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 280 | $118K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 280 | $118K |
| Life insurance(2 contracts, 2 carriers) | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | 0 | $28K |
| Long-term disability | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 0 | $4K |
| Other(6 contracts, 2 carriers) | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | 0 | $103K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 280 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.