| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ADP INC3 Filed as: AUTOMATIC DATA PROCESSING INS AGCY | 1 ADP BLVD ROSELAND, NJ 07068 | DEARBORN LIFE INSURANCE COMPANY | $18K | $0 | $18K | 14.59% |
| ROGERS BENEFIT GROUP INC3 | 5110 N 40TH STREET #234 PHOENIX, AZ 85018 | DEARBORN LIFE INSURANCE COMPANY | $0 | $4K | $4K | 3.33% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | 669 RIVER DRIVE CENTER II STE 305 ELMWOOD, NJ 07407 | DEARBORN LIFE INSURANCE COMPANY | $0 | $2K | $2K | 1.67% |
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 | 175 | 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) | 175 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | DEARBORN LIFE INSURANCE COMPANY | 175 | $122K |
| Life insurance | DEARBORN LIFE INSURANCE COMPANY | 175 | $122K |
| Short-term disability | DEARBORN LIFE INSURANCE COMPANY | 175 | $122K |
| Long-term disability | DEARBORN LIFE INSURANCE COMPANY | 175 | $122K |
| Other | DEARBORN LIFE INSURANCE COMPANY | 175 | $122K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 175 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.