| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| R4 ENTERPRISES, LLC3 | 308 HARPER DRIVE, SUITE 101 MOORESTOWN, NJ 08057 | UNITEDHEALTHCARE INSURANCE COMPANY | $274K | $0 | $274K | 4.18% |
| R4 ENTERPRISES, LLC3 | 308 HARPER DRIVE, SUITE 101 MOORESTOWN, NJ 08057 | DELTA DENTAL OF NEW JERSEY, INC. | $48K | $0 | $48K | 9.95% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1305 WALT WHITMAN ROAD, SUITE 310 MELVILLE, NY 11747 | DELTA DENTAL OF NEW JERSEY, INC. | $24K | $0 | $24K | 4.97% |
| R4 ENTERPRISES, LLC3 | 308 HARPER DRIVE, SUITE 101 MOORESTOWN, NJ 08057 | METROPOLITAN LIFE INSURANCE COMPANY | $50K | $0 | $50K | 14.73% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | 1787 SENTRY PARKWAY WEST BUILDING 16, SUITE 320 BLUE BELL, PA 19422 | METROPOLITAN LIFE INSURANCE COMPANY | $17K | $3K | $20K | 6.08% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | 1787 SENTRY PARKWAY WEST BLUE BELL, PA 19422 | VISION SERVICE PLAN | $2K | $0 | $2K | 4.12% |
| R4 ENTERPRISES, LLC3 | 308 HARPER DRIVE, SUITE 101 MOORESTOWN, NJ 08057 | VISION SERVICE PLAN | $2K | $0 | $2K | 3.58% |
| R4 ENTERPRISES, LLC3 | 308 HARPER DRIVE, SUITE 101 MOORESTOWN, NJ 08057 | METROPOLITAN GENERAL INSURANCE COMPANY | $993 | $0 | $993 | 9.98% |
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 | 1,045 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,045 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 1,086 | $6.5M |
| Dental | DELTA DENTAL OF NEW JERSEY, INC. | 1,095 | $485K |
| Vision | VISION SERVICE PLAN | 517 | $54K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 1,045 | $337K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,045 | $337K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 1,045 | $337K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 1,086 | $6.5M |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,045 | $347K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,095 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.