| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ADP INC3 Filed as: AUTOMATIC DATA PROCESSING INS AGCY | 1 ADP BOULEVARD ROSELAND, NJ 07068 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $95K | $95K | 3.08% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC. | 1787 SENTRY PARKWAY WEST VEVA 16 SUITE 320 BLUE BELL, PA 19422 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $76K | $76K | 2.47% |
| EMERSON REID LLC3 | 1787 SENTRY PARKWAY WEST VEVA 16 SUITE 320 BLUE BELL, PA 19422 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $60K | $10K | $70K | 12.05% |
| MY BENEFIT ADVISOR LLC3 | 669 RIVER DRIVE CENTER IL SUITE 305 ELMWOOD PARK, NJ 07407 | METLIFE LEGAL PLANS | $767 | — | $767 | 7.78% |
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 | 305 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 6 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 8 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 319 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 250 | $3.1M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 312 | $578K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 312 | $578K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 312 | $578K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 312 | $578K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 312 | $578K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 312 | $588K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 312 | — |
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.