| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| GLYNIS FIONA ROBERTS3 | 669 RIVER DRIVE CENTER II SUITE 305 ELMWOOD PARK, NJ 07407 | HIGHMARK DELAWARE | $72K | $0 | $72K | 2.45% |
| EMERSON REID LLC3 | 100 PINEWOOD LANE, SUITE 301 WARRENDALE, PA 15086 | HIGHMARK DELAWARE | $6K | $0 | $6K | 0.20% |
| EMERSON REID LLC3 | 1787 SENTRY PKWY W BLDG 16 STE 320 BLUE BELL, PA 194222239 | METROPOLITAN LIFE INSURANCE COMPANY | $17K | $10K | $27K | 8.10% |
| MY BENEFIT ADVISOR LLC3 Filed as: MY BENEFIT ADVISOR | 1305 WALT WHITMAN RD STE 310 MELVILLE, NY 117474300 | METROPOLITAN LIFE INSURANCE COMPANY | $18K | $7K | $25K | 7.47% |
| MY BENEFIT ADVISOR LLC3 | 669 RIVER DRIVE CENTER II SUITE 305 ELMWOOD PARK, NJ 074071361 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | $0 | $3K | 18.45% |
| EMERSON REID LLC3 Filed as: EMERSON REID | 350 5TH AVE STE 3700 NEW YORK, NY 10118 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | $0 | $2K | 9.23% |
| MY BENEFIT ADVISOR LLC3 | 669 RIVER DRIVE CENTER II SUITE 305 ELMWOOD PARK, NJ 07407 | METLIFE LEGAL PLANS | $937 | $0 | $937 | 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 | 212 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 215 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK DELAWARE | 398 | $3.0M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 463 | $337K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 463 | $337K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 463 | $337K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 463 | $337K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 463 | $349K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 463 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.