| 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 | $2K | $34K | $36K | 4.96% |
| ADP INC3 Filed as: AUTOMATIC DATA PROCESSING INS AGCY | — | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $100 | $100 | 0.01% |
| ADP INC3 Filed as: AUTOMATIC DATA PROCESSING | ONE ADP BOULEVARD MS 325 ROSELAND, NJ 07068 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $2K | $523 | $2K | 11.62% |
| EMERSON REID LLC3 | 1787 SENTRY PARKWAY WEST VEVA BUILDING 16 SUITE 320 BLUE BELL, PA 19422 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $1K | $1K | 5.00% |
| ADP INC3 Filed as: AUTOMATIC DATA PROCESSING | ONE ADP BOULEVARD MS 325 ROSELAND, NJ 07068 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $1K | $538 | $2K | 14.60% |
| EMERSON REID LLC3 | 1787 SENTRY PARKWAY WEST VEVA BUILDING 16 SUITE 320 BLUE BELL, PA 19422 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $548 | $548 | 5.00% |
| ADP INC3 Filed as: AUTOMATIC DATA PROCESSING | ONE ADP BOULEVARD MS 325 ROSELAND, NJ 07068 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $567 | — | $567 | 7.66% |
| EMERSON REID LLC3 | 1787 SENTRY PARKWAY WEST VEVA BUILDING 16 SUITE 320 BLUE BELL, PA 19422 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $370 | $370 | 5.00% |
| ADP INC3 Filed as: AUTOMATIC DATA PROCESSING | ONE ADP BOULEVARD MS 325 ROSELAND, NJ 07068 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $787 | — | $787 | 15.00% |
| EMERSON REID LLC3 | 1787 SENTRY PARKWAY WEST VEVA BUILDING 16 SUITE 320 BLUE BELL, PA 19422 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $262 | $262 | 4.99% |
| ADP INC3 Filed as: AUTOMATIC DATA PROCESSING | ONE ADP BOULEVARD MS 325 ROSELAND, NJ 07068 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $186 | $102 | $288 | 11.93% |
| EMERSON REID LLC3 | 1787 SENTRY PARKWAY WEST VEVA BUILDING 16 SUITE 320 BLUE BELL, PA 19422 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $121 | $121 | 5.01% |
| ADP INC3 Filed as: AUTOMATIC DATA PROCESSING | ONE ADP BOULEVARD MS 325 ROSELAND, NJ 07068 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $105 | — | $105 | 8.96% |
| EMERSON REID LLC3 | 1787 SENTRY PARKWAY WEST VEVA BUILDING 16 SUITE 320 BLUE BELL, PA 19422 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $44 | $44 | 3.75% |
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 | 101 | 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) | 101 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 84 | $732K |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 84 | $732K |
| Vision | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 84 | $732K |
| Life insurance(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 101 | $29K |
| Long-term disability(2 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 101 | $16K |
| Other(4 contracts) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 101 | $32K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 101 | — |
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.