| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CBIZ BENEFITS & INSURANCE SERVICES3 | P.O. BOX 632886 CINCINNATI, OH 45263 | AETNA LIFE INSURANCE COMPANY | $1K | $30K | $31K | 2.88% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC. | 1787 SENTRY PKWY, STE 320 BLUE BELL, PA 19422 | AETNA LIFE INSURANCE COMPANY | $2K | $19K | $21K | 1.94% |
| USI INSURANCE SERVICES LLC3 | 1787 SENTRY PKWY, STE 300 BLUE BELL, PA 19422 | AETNA LIFE INSURANCE COMPANY | $2K | — | $2K | 0.15% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | P.O. BOX 632886 CINCINNATI, OH 45263 | SUN LIFE ASSURANCE COMPANY OF CANADA | $4K | — | $4K | 5.64% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 2400 E. COMMERCIAL BLVD, STE 600 FORT LAUDERDALE, FL 33308 | SUN LIFE ASSURANCE COMPANY OF CANADA | $2K | — | $2K | 3.00% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC. | 350 5TH AVENUE, STE 3700 NEW YORK, NY 10118 | SUN LIFE ASSURANCE COMPANY OF CANADA | $1K | — | $1K | 1.72% |
| EMERSON REID LLC3 | 350 5TH AVENUE, STE 3700 NEW YORK, NY 10118 | SUN LIFE AND HEALTH INSURANCE COMPANY | $12 | — | $12 | 8.11% |
| USI INSURANCE SERVICES LLC3 | 1 INTERNATIONAL PLAZA, STE 400 PHILADELPHIA, PA 19113 | SUN LIFE AND HEALTH INSURANCE COMPANY | $8 | — | $8 | 5.41% |
| CBIZ BENEFITS & INSURANCE SERVICES3 | P.O. BOX 632886 CINCINNATI, OH 45263 | SUN LIFE AND HEALTH INSURANCE COMPANY | $4 | — | $4 | 2.70% |
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 | 180 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 181 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 235 | $1.1M |
| Dental | AETNA LIFE INSURANCE COMPANY | 235 | $1.1M |
| Vision | AETNA LIFE INSURANCE COMPANY | 235 | $1.1M |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 211 | $66K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 211 | $66K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 211 | $66K |
| Prescription drug | AETNA LIFE INSURANCE COMPANY | 235 | $1.1M |
| Other(2 contracts, 2 carriers) | SUN LIFE ASSURANCE COMPANY OF CANADA | 211 | $66K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 235 | — |
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.