| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMERSON REID LLC3 Filed as: EMERSON REID DBA TRA BENEFIT | 1787 SENTRY PARKWAY W BLUE BELL, PA 19422 | INDEPENDENCE BLUE CROSS | — | $26K | $26K | 0.38% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSHPERE CIRCLE CHICAGO, IL 60674 | METROPOLITAN LIFE INSURANCE COMPANY | — | $41 | $41 | 0.01% |
| USI INSURANCE SERVICES LLC3 | 1 HILLCREST DRIVE E CHARLESTON, WV 253111622 | METROPOLITAN LIFE INSURANCE COMPANY | — | $27 | $27 | 0.00% |
| USI INSURANCE SERVICES LLC3 | 1787 SENTRY PARKWAY WEST VIVA BUILDING 16, SUITE 300 BLUE BELL, PA 19422 | HYATT LEGAL PLANS | $2K | — | $2K | 14.86% |
| MERCER HEALTH AND BENEFITS, LLC3 Filed as: MERCER HEALTH & BENEFITS LLC | 4565 PAYSHERE CIRCLE CHICAGO, IL 60674 | HYATT LEGAL PLANS | $517 | $41 | $558 | 5.43% |
| USI INSURANCE SERVICES LLC3 | ACCOUNTING CENTER P.O. BOX 61007 VIRGINIA BEACH, VA 23466 | HYATT LEGAL PLANS | — | $162 | $162 | 1.58% |
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 | 728 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 7 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 735 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | INDEPENDENCE BLUE CROSS | 1,395 | $6.9M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 1,361 | $547K |
| Vision(2 contracts) | FIDELITY SECURITY LIFE INSURANCE COMPANY | 1,008 | $55K |
| Life insurance | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 733 | $165K |
| Short-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 733 | $260K |
| Long-term disability | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 733 | $89K |
| Prescription drug | INDEPENDENCE BLUE CROSS | 1,395 | $6.9M |
| Other(3 contracts, 3 carriers) | LIBERTY LIFE ASSURANCE COMPANY OF BOSTON | 783 | $188K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,395 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.