| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PKWY W VEVA 16 BLUE BELL, PA 19422 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 5.00% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PKWY W VEVA 16 BLUE BELL, PA 19422 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 5.00% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PKWY W VEVA 16 BLUE BELL, PA 19422 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $609 | — | $609 | 5.00% |
| USI INSURANCE SERVICES LLC3 | 261 MADISON AVENUE 5TH FLOOR NEW YORK, NY 10016 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $365 | — | $365 | 3.00% |
| USI INSURANCE SERVICES LLC3 | 261 MADISON AVENUE 5TH FLOOR NEW YORK, NY 10016 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $382 | — | $382 | 5.00% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PKWY W VEVA 16 BLUE BELL, PA 19422 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $382 | — | $382 | 5.00% |
| USI INSURANCE SERVICES LLC3 | 261 MADISON AVENUE 5TH FLOOR NEW YORK, NY 10016 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $815 | — | $815 | 12.49% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PKWY W VEVA 16 BLUE BELL, PA 19422 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $326 | — | $326 | 5.00% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PKWY W VEVA 16 BLUE BELL, PA 19422 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $272 | — | $272 | 5.00% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PKWY W VEVA 16 BLUE BELL, PA 19422 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $147 | — | $147 | 4.98% |
| USI INSURANCE SERVICES LLC3 | PO BOX 62689 VIRGINIA BEACH, VA 23466 | METROPOLITAN GENERAL INSURANCE COMPANY | $153 | $97 | $250 | 32.68% |
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 | 371 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 60 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 431 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 431 | $3.3M |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL PLAN OF NEW YORK | 612 | $225K |
| Vision | VISION SERVICE PLAN | 225 | $45K |
| Life insurance | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 303 | $64K |
| Long-term disability | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 81 | $29K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 431 | $3.3M |
| Other(6 contracts, 2 carriers) | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 303 | $35K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 612 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.