| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ANDREW RUHLAND3 | 2101 ROUTE 70 EAST CHERRY HILL, NJ 08003 | CAREFIRST BLUECHOICE, INC. | $0 | $159K | $159K | 4.55% |
| EMPLOYEE BENEFITS CORP OF AMERICA5 Filed as: EMPLOYEE BENEFITS CORP AMERICA | 1410 SPRING HILL ROAD SUITE 150 MCLEAN, VA 22102 | CAREFIRST BLUECHOICE, INC. | $0 | $15K | $15K | 0.44% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PKWY W BLDG 16 STE 320 BLUE BELL, PA 19422 | METROPOLITAN LIFE INSURANCE COMPANY | $13K | $3K | $15K | 5.71% |
| NATIONALHR RBN ASSOCIATES LLC3 | 2101 MARLTON PIKE E CHERRY HILL, NJ 08003 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | $0 | $9K | 3.27% |
| MARSH & MCLENNAN AGENCY LLC3 | 870 S PLEASANTBURG DR GREENVILLE, SC 29607 | METROPOLITAN LIFE INSURANCE COMPANY | $926 | $53 | $979 | 0.37% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 250 PEHLE AVE STE 400 PARK 80 PLAZA 2 SADDLE BROOK, NJ 07663 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $348 | $348 | 0.13% |
| MARSH & MCLENNAN AGENCY LLC3 | 6279 TRI RIDGE BLVD STE 400 LOVELAND, OH 45140 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $35 | $35 | 0.01% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 669 RIVER DRIVE CENTER II ELMWOOD PARK, NJ 07407 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $8K | $8K | 10.66% |
| NATIONALHR RBN ASSOC LLC3 | 2101 RTE 70 E CHERRY HILL, NJ 08003 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $7K | $0 | $7K | 9.40% |
| MARSH & MCLENNAN AGENCY LLC3 | TRION GROUP KING OF PRUSSIA, PA 19406 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | $0 | $4K | 5.60% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 669 RIVER DRIVE CENTER II ELMWOOD PARK, NJ 07407 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $6K | $6K | 10.73% |
| NATIONALHR RBN ASSOC LLC3 | 2101 RTE 70 E CHERRY HILL, NJ 08003 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $5K | $0 | $5K | 9.13% |
| MARSH & MCLENNAN AGENCY LLC3 | TRION GROUP KING OF PRUSSIA, PA 19406 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $0 | $3K | 5.21% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 669 RIVER DRIVE CENTER II ELMWOOD PARK, NJ 07407 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $4K | $4K | 10.63% |
| NATIONALHR RBN ASSOC LLC3 | 2101 RTE 70 E CHERRY HILL, NJ 08003 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | $0 | $3K | 8.22% |
| MARSH & MCLENNAN AGENCY LLC3 | TRION GROUP KING OF PRUSSIA, PA 19406 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $767 | $0 | $767 | 2.01% |
| NATIONALHR RBN ASSOCIATES LLC3 | 2101 MARLTON PIKE E CHERRY HILL, NJ 08003 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | $0 | $4K | 15.34% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PKWY W BLDG 16 STE 320 BLUE BELL, PA 19422 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $219 | $1K | 5.44% |
| MARSH & MCLENNAN AGENCY LLC3 | 870 S PLEASANTBURG DR GREENVILLE, SC 29607 | METROPOLITAN LIFE INSURANCE COMPANY | $696 | $53 | $749 | 3.07% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 250 PEHLE AVE STE 400 PARK 80 PLAZA 2 SADDLE BROOK, NJ 07663 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $35 | $35 | 0.14% |
| MARSH & MCLENNAN AGENCY LLC3 | 6279 TRI RIDGE BLVD STE 400 LOVELAND, OH 45140 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $3 | $3 | 0.01% |
| NATIONALHR RBN ASSOCIATES LLC3 | 2101 MARLTON PIKE E CHERRY HILL, NJ 08003 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $0 | $2K | 15.42% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PKWY W BLDG 16 STE 320 BLUE BELL, PA 19422 | METROPOLITAN LIFE INSURANCE COMPANY | $560 | $107 | $667 | 5.35% |
| MARSH & MCLENNAN AGENCY LLC3 | 870 S PLEASANTBURG DR GREENVILLE, SC 29607 | METROPOLITAN LIFE INSURANCE COMPANY | $316 | $53 | $369 | 2.96% |
| MARSH & MCLENNAN AGENCY LLC3 Filed as: MARSH & MCLENNAN | 250 PEHLE AVE STE 400 PARK 80 PLAZA 2 SADDLE BROOK, NJ 07663 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $16 | $16 | 0.13% |
| MARSH & MCLENNAN AGENCY LLC3 | 6279 TRI RIDGE BLVD STE 400 LOVELAND, OH 45140 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $2 | $2 | 0.02% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 669 RIVER DRIVE CENTER II ELMWOOD PARK, NJ 07407 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $0 | $724 | $724 | 10.66% |
| NATIONALHR RBN ASSOC LLC3 | 2101 RTE 70 E CHERRY HILL, NJ 08003 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $584 | $0 | $584 | 8.60% |
| MARSH & MCLENNAN AGENCY LLC3 | TRION GROUP KING OF PRUSSIA, PA 19406 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $357 | $0 | $357 | 5.26% |
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 | 357 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 4 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 6 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 367 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(4 contracts, 3 carriers) | CAREFIRST BLUECHOICE, INC. | 968 | $3.5M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 599 | $268K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 599 | $268K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 599 | $321K |
| Short-term disability(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 599 | $343K |
| Long-term disability(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 599 | $306K |
| Prescription drug | CAREFIRST BLUECHOICE, INC. | 968 | $3.5M |
| Other(5 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 599 | $334K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 968 | — |
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."
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.