| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CAMBRIDGE LIFE BROKERAGE LLC3 | 44 WASHINGTON STREET UNIT 1099 MORRISTOWN, NJ 07960 | UNITEDHEALTHCARE INSURANCE COMPANY | $141K | — | $141K | 2.75% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC NY | 1787 SENTRY PARKWAY SUITE 320 BLUE BELL, PA 19422 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $66K | $66K | 1.27% |
| CAMBRIDGE LIFE BROKERAGE LLC3 | 44 WASHINGTON ST UNIT 1099 MORRISTOWN, NJ 07960 | UNITEDHEALTHCARE INSURANCE COMPANY | $40K | — | $40K | 10.00% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | UNITEDHEALTHCARE INSURANCE COMPANY | $40K | — | $40K | 10.00% |
| CAMBRIDGE LIFE BROKERAGE LLC3 | 875 AVENUE OF THE AMERICAS 350 FIFTH AVENUE, SUITE 801 NEW YORK, NY 10001 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $51K | — | $51K | 15.00% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $17K | — | $17K | 5.00% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS | 350 FIFTH AVE SUITE 3700 NEW YORK NEW, NY 10118 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $6K | $6K | 1.70% |
| NFP INSURANCE SERVICES INC3 | 1250 CAPITAL OF TX HWY S BLDG II, SUITE 600 AUSTIN, NJ 78746 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | — | $4K | $4K | 1.13% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | FIRST UNUM LIFE INSURANCE COMPANY | $17K | — | $17K | 11.00% |
| CAMBRIDGE LIFE BROKERAGE LLC3 | 24 MERKEL DR BLOOMFIELD, NJ 07003 | FIRST UNUM LIFE INSURANCE COMPANY | $11K | — | $11K | 7.00% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | FIRST UNUM LIFE INSURANCE COMPANY | $2K | — | $2K | 1.00% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 | PO BOX 9201 AUSTIN, TX 78766 | FIRST UNUM LIFE INSURANCE COMPANY | $2K | — | $2K | 1.00% |
| GIS BENEFITS INC3 | 422 WAUPONSEE STREET MORRIS, IL 60450 | PROVIDENT LIFE AND CASUALTY INS CO | $6K | $20 | $6K | 11.61% |
| CAMBRIDGE LIFE BROKERAGE LLC3 | 24 MERKEL DR BLOOMFIELD, NJ 07003 | PROVIDENT LIFE AND CASUALTY INS CO | $3K | $196 | $3K | 7.15% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 | PO BOX 9201 AUSTIN, TX 78766 | PROVIDENT LIFE AND CASUALTY INS CO | $469 | — | $469 | 0.97% |
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 | 447 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 447 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 163 | $5.1M |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 213 | $397K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 213 | $397K |
| Life insurance | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 208 | $338K |
| Other(3 contracts, 2 carriers) | FIRST UNUM LIFE INSURANCE COMPANY | 459 | $210K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 459 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.