| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMERSON REID LLC3 Filed as: EMERSON REID AND CO. INC. | 669 RIVER DR., STE 305 ATTN EDNA RODDA ELMWOOD PARK, NJ 07407 | METROPOLITAN LIFE INSURANCE COMPANY | $27K | $6K | $34K | 6.18% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW JERSEY INC. | PO BOX 416315 BOSTON, MA 02241 | METROPOLITAN LIFE INSURANCE COMPANY | $5K | $11K | $16K | 3.02% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS. SERVICES LLC | PO BOX 62939 VIRGINIA BEACH, VA 23466 | METROPOLITAN LIFE INSURANCE COMPANY | — | $27 | $27 | 0.00% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS. SERVICES LLC | PO BOX 3716 NORFOLK, VA 23514 | METROPOLITAN LIFE INSURANCE COMPANY | -$681 | $27 | -$654 | -0.12% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF NEW YORK INC. | 200 LIBERTY ST, 6TH FL. NEW YORK, NY 10281 | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | $9K | — | $9K | 3.74% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS OF ARIZONA INC. | 16220 N. SCOTTSDALE RD, STE 600 SCOTTSDALE, AZ 85254 | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | — | $1K | $1K | 0.47% |
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 | 305 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 11 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 316 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,105 | $544K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 1,105 | $544K |
| Life insurance | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | 330 | $238K |
| Long-term disability | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | 330 | $238K |
| Other | LINCOLN LIFE AND ANNUITY COMPANY OF NEW YORK | 330 | $238K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,105 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.