| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JOHN GREENBAUM3 | 160 FEDERAL STREET BOSTON, MA 02110 | PRIORITY HEALTH | $35K | — | $35K | 3.99% |
| RSC INSURANCE BROKERAGE INC3 | 1330 LAKE ROBBINS DR - STE 405 THE WOODLANDS, TX 77380 | PRINCIPAL LIFE INSURANCE COMPANY | $17K | $2K | $19K | 7.45% |
| SELMAN & COMPANY, LLC3 | 1 INTEGRITY PKWY CLEVELAND, OH 44143 | PRINCIPAL LIFE INSURANCE COMPANY | — | $3K | $3K | 1.05% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PKWY W - STE 320 BLUE BELL, PA 19422 | PRINCIPAL LIFE INSURANCE COMPANY | — | $1K | $1K | 0.58% |
| ACRISURE LLC3 | PO BOX 1788 GRAND RAPIDS, MI 49501 | PRINCIPAL LIFE INSURANCE COMPANY | — | $963 | $963 | 0.38% |
| GA SOLUTIONS LLC3 | 311 CLOCK TOWER CMNS BREWSTER, NY 10509 | PRINCIPAL LIFE INSURANCE COMPANY | — | -$768 | -$768 | -0.30% |
| ACRISURE LLC3 Filed as: ACRISURE DBA ACRISURE REGIONAL | 100 OTTAWA AVE SW GRAND RAPIDS, MI 49503 | PRINCIPAL LIFE INSURANCE COMPANY | -$1K | — | -$1K | -0.41% |
| RSC INSURANCE BROKERAGE INC3 | 160 FEDERAL ST 4TH FLOOR BOSTON, MA 02110 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | $21K | $4K | $25K | 12.01% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | 1787 SENTRY PKWY W-STE 320 BLUE BELL, PA 19422 | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | — | $17K | $17K | 8.12% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 669 RIVER DRIVE CENTER II-STE 305 ELMWOOD PARK, NJ 07407 | HARTFORD LIFE AND ACCIDENT | $217 | $640 | $857 | 8.99% |
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 | 524 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 16 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 540 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | PRIORITY HEALTH | 164 | $877K |
| Dental | PRINCIPAL LIFE INSURANCE COMPANY | 438 | $253K |
| Vision | PRINCIPAL LIFE INSURANCE COMPANY | 438 | $253K |
| Life insurance(2 contracts, 2 carriers) | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 524 | $219K |
| Short-term disability(2 contracts, 2 carriers) | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 524 | $219K |
| Long-term disability(2 contracts, 2 carriers) | EQUITABLE FINANCIAL LIFE INSURANCE COMPANY OF AMERICA | 524 | $219K |
| Other(3 contracts, 3 carriers) | PRINCIPAL LIFE INSURANCE COMPANY | 524 | $471K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 524 | — |
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.