| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMERSON REID LLC3 | 1787 SENTRY PARKWAY SUITE 320 BLUE BELL, PA 19422 | SUN LIFE ASSURANCE COMPANY OF CANADA | $27K | $7K | $34K | 20.71% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CAMBRIDGE LIFE BROKERAGE LLC EIN 45-2642901 BROKER | Contract Administrator; Other services; Direct payment from the plan; Claims processing; Other fees Service code 12 | 875 AVENUE OF THE AMERICAS SUITE 1010 NEW YORK, NY 10001 | $81K |
| ALLIED BENEFIT SYSTEMS LLC EIN 36-3086057 TPA | Direct payment from the plan; Other services; Claims processing; Other fees; Plan Administrator; Contract Administrator Service code 12 | 200 WEST ADAMS ST SUITE 500 CHICAGO, IL 60606 | $61K |
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 PPO | Other fees; Claims processing; Plan Administrator; Contract Administrator; Other services; Direct payment from the plan Service code 12 | 151 FARMINGTON AVE HARTFORD, CT 06156 | $30K |
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 | 135 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 135 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | SWISS RE CORPORATE SOLUTIONS AMER INSURANCE CORP | 149 | $285K |
| Dental | SUN LIFE ASSURANCE COMPANY OF CANADA | 468 | $162K |
| Vision | SUN LIFE ASSURANCE COMPANY OF CANADA | 468 | $162K |
| Short-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 468 | $162K |
| Stop-loss / reinsurancereinsurance(2 contracts, 2 carriers) | SWISS RE CORPORATE SOLUTIONS AMER INSURANCE CORP | 149 | $285K |
| Other | SUN LIFE ASSURANCE COMPANY OF CANADA | 468 | $162K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 468 | — |
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.
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.