| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CAMBRIDGE LIFE BROKERAGE LLC3 | 24 MERKEL DR BLOOMFIELD, NJ 07003 | STARMOUNT LIFE INSURANCE COMPANY | $11K | $2K | $13K | 12.34% |
| EMERSON REID LLC3 | 1787 SENTRY PARKWAY SUITE 320 BLUE BELL, PA 19422 | STARMOUNT LIFE INSURANCE COMPANY | $5K | $4K | $9K | 9.00% |
| CAMBRIDGE LIFE BROKERAGE LLC3 | 1 COPPERFIELD WAY MORRISTOWN, NJ 07960 | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | $7K | — | $7K | 10.97% |
| 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 | $6K | — | $6K | 12.52% |
| 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 | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | $409 | — | $409 | 10.00% |
| EMERSON REID LLC3 | 1787 SENTRY PARKWAY SUITE 320 BLUE BELL, PA 19422 | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | — | $205 | $205 | 5.01% |
| CAMBRIDGE LIFE BROKERAGE LLC3 | 1 COPPERFIELD WAY MORRISTOWN, NJ 07960 | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | $522 | — | $522 | 15.01% |
| EMERSON REID LLC3 | 1787 SENTRY PARKWAY SUITE 320 BLUE BELL, PA 19422 | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | — | $174 | $174 | 5.00% |
| CAMBRIDGE LIFE BROKERAGE LLC3 | 1 COPPERFIELD WAY MORRISTOWN, NJ 07960 | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | $231 | — | $231 | 10.00% |
| EMERSON REID LLC3 | 1787 SENTRY PARKWAY SUITE 320 BLUE BELL, PA 19422 | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | — | $116 | $116 | 5.02% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| NORTH AMERICAN SPECIALTY INSURANCE STOP LOSS CARRIER | Insurance services Service code 23 | — | $321K |
| CUSTOM DESIGN BENEFITS INC. EIN 81-0798821 CLAIMS PROCESSOR | Claims processing Service code 12 | — | $67K |
| CAMBRIDGE LIFE BROKERAGE LLC BROKER | Insurance agents and brokers; Direct payment from the plan; Other services Service code 22 | 875 AVENUE OF THE AMERICAS NEW YORK, NY 10001 | $40K |
| RX RESULTS EIN 26-3233073 PRESCRIPTION ADMIN | Claims processing; Direct payment from the plan; Other services Service code 12 | 17300 CHENAL PARKWAY SUITE 340 LITTLE ROCK, AR 72223 | $7K |
| INNOVATIVE RISK MANAGEMENT EIN 45-4167263 PATIENT ADVOCATE | Other services; Participant communication; Investment advisory (participants); Direct payment from the plan Service code 26 | — | $7K |
| PAYER COMPASS VOLTAIRE EIN 46-2047081 CLAIM REPRICER | Claims processing; Direct payment from the plan; Other services; Recordkeeping and information management (computing, tabulating, data processing, etc.) Service code 12 | — | $6K |
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 | 270 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 270 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | STARMOUNT LIFE INSURANCE COMPANY | 195 | $104K |
| Vision | STARMOUNT LIFE INSURANCE COMPANY | 195 | $104K |
| Life insurance | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | 0 | $2K |
| Long-term disability | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | 0 | $47K |
| Stop-loss / reinsurancereinsurance | SWISS RE | 169 | $321K |
| Other(5 contracts) | NEW YORK LIFE GROUP BENEFIT SOLUTIONS | 0 | $146K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 195 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.