| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CAMBRIDGE LIFE BROKERAGE LLC3 | 1 COPPERFIELD WAY MORRISTOWN, NJ 07960 | EMPIRE HEALTHCHOICE ASSURANCE INC. | $118K | — | $118K | 3.17% |
| EMERSON REID LLC3 Filed as: EMERSON REID & COMPANY | 5200 N PALM AVE SUITE 114 FRESNO, CA 93704 | EMPIRE HEALTHCHOICE ASSURANCE INC. | — | $45K | $45K | 1.21% |
| CAMBRIDGE LIFE BROKERAGE LLC3 | 875 AVENUE OF THE AMERICAS 350 FIFTH AVENUE, SUITE 3700 NEW YORK, NY 10001 | PROVIDENT LIFE AND CASUALTY INSURANCE CO | $19K | $4K | $23K | 12.00% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | PROVIDENT LIFE AND CASUALTY INSURANCE CO | $6K | $4K | $10K | 5.10% |
| BOON CHAPMAN BENEFIT ADMINISTRATORS3 Filed as: BOON-CHAPMAN INC. | PO BOX 9201 AUSTIN, TX 78766 | PROVIDENT LIFE AND CASUALTY INSURANCE CO | — | $6K | $6K | 3.00% |
| CAMBRIDGE LIFE BROKERAGE LLC3 | 875 AVENUE OF THE AMERICAS SUITE 801 NEW YORK, NY 10001 | FIRST RELIANCE STANDARD LIFE INSURANCE CO | $14K | — | $14K | 15.00% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | FIRST RELIANCE STANDARD LIFE INSURANCE CO | $5K | — | $5K | 5.00% |
| CAMBRIDGE LIFE BROKERAGE LLC3 | 875 AVENUE OF THE AMERICAS SUITE 801 NEW YORK, NY 10001 | FIRST RELIANCE STANDARD LIFE INSURANCE CO | $12K | — | $12K | 15.00% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | FIRST RELIANCE STANDARD LIFE INSURANCE CO | $4K | — | $4K | 5.00% |
| CAMBRIDGE LIFE BROKERAGE LLC3 | 875 AVENUE OF THE AMERICAS SUITE 801 NEW YORK, NY 10001 | FIRST RELIANCE STANDARD LIFE INSURANCE CO | $4K | — | $4K | 15.00% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | FIRST RELIANCE STANDARD LIFE INSURANCE CO | $1K | — | $1K | 5.00% |
| CAMBRIDGE LIFE BROKERAGE LLC3 | 875 AVENUE OF THE AMERICAS SUITE 801 NEW YORK, NY 10001 | FIRST RELIANCE STANDARD LIFE INSURANCE CO | $1K | — | $1K | 15.01% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | FIRST RELIANCE STANDARD LIFE INSURANCE CO | — | $442 | $442 | 5.01% |
| CAMBRIDGE LIFE BROKERAGE LLC3 | 875 AVENUE OF THE AMERICAS SUITE 801 NEW YORK, NY 10001 | FIRST RELIANCE STANDARD LIFE INSURANCE CO | $703 | — | $703 | 15.00% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | FIRST RELIANCE STANDARD LIFE INSURANCE CO | $234 | — | $234 | 4.99% |
| CAMBRIDGE LIFE BROKERAGE LLC3 | 875 AVENUE OF THE AMERICAS SUITE 801 NEW YORK, NY 10001 | FIRST RELIANCE STANDARD LIFE INSURANCE CO | $243 | — | $243 | 15.00% |
| GIS BENEFITS INC3 | 422 WAUPONSEE ST MORRIS, IL 60450 | FIRST RELIANCE STANDARD LIFE INSURANCE CO | $81 | — | $81 | 5.00% |
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 | 291 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 291 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | EMPIRE HEALTHCHOICE ASSURANCE INC. | 291 | $3.9M |
| Vision | EMPIRE HEALTHCHOICE ASSURANCE INC. | 291 | $3.7M |
| Life insurance(2 contracts) | FIRST RELIANCE STANDARD LIFE INSURANCE CO | 216 | $37K |
| Long-term disability | FIRST RELIANCE STANDARD LIFE INSURANCE CO | 53 | $79K |
| Other(3 contracts) | FIRST RELIANCE STANDARD LIFE INSURANCE CO | 216 | $97K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 291 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.