| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SMITH BROTHERS INSURANCE LLC3 Filed as: SMITH BROTHERS INSURANCE AGENCY | 68 NATIONAL DRIVE GLASTONBURY, CT 06033 | EXCELLUS BLUE CROSS BLUE SHIELD | $89K | — | $89K | 3.17% |
| SMITH BROTHERS INSURANCE LLC3 | 68 NATIONAL DRIVE GLASTONBURY, CT 06033 | METROPOLITAN LIFE INSURANCE COMPANY | $4K | — | $4K | 2.92% |
| EMERSON REID LLC3 | 1787 SENTRY PKWY W VEVA BLDG 16, STE 320 BLUE BELL, PA 19422 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $6K | $6K | 7.79% |
| SMITH BROTHERS INSURANCE LLC3 Filed as: SMITH BROTHERS INSURANCE | 68 NATIONAL DRIVE GLASTONBURY, CT 06033 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 4.68% |
| SMITH BROTHERS INSURANCE LLC3 Filed as: SMITH BROTHERS INSURANCE | 68 NATIONAL DRIVE GLASTONBURY, CT 06033 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $3K | — | $3K | 7.07% |
| EMERSON REID LLC3 | 1787 SENTRY PARKWAY W VEVA BLDG 16, STE 320 BLUE BELL, PA 19422 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $3K | $3K | 7.06% |
| SMITH BROTHERS INSURANCE LLC3 Filed as: SMITH BROTHERS INSURANCE | 68 NATIONAL DRIVE GLASTONBURY, CT 06033 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | $3K | — | $3K | 7.44% |
| EMERSON REID LLC3 | 1787 SENTRY PARKWAY W VEVA BLDG 16, STE 320 BLUE BELL, PA 19422 | NEW YORK LIFE GROUP INSURANCE COMPANY OF NEW YORK | — | $3K | $3K | 6.84% |
| SMITH BROTHERS INSURANCE LLC3 Filed as: SMITH BROTHERS INSURANCE | 68 NATIONAL DRIVE GLASTONBURY, CT 06033 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 11.04% |
| EMERSON REID LLC3 | 1787 SENTRY PARKWAY W VEVA BLDG 16, STE 320 BLUE BELL, PA 19422 | LIFE INSURANCE COMPANY OF NORTH AMERICA | — | $3K | $3K | 7.38% |
| SMITH BROTHERS INSURANCE LLC3 | 68 NATIONAL DRIVE GLASTONBURY, CT 06033 | VISION SERVICE PLAN | $872 | — | $872 | 6.50% |
| SMITH BROTHERS INSURANCE LLC3 Filed as: SMITH BROTHERS INSURANCE | 68 NATIONAL DRIVE GLASTONBURY, CT 06033 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $769 | $108 | $877 | 18.62% |
| EMERSON REID LLC3 | 1787 SENTRY PARKWAY W VEVA BLDG 16, STE 320 BLUE BELL, PA 19422 | LIFE INSURANCE COMPANY OF NORTH AMERICA | -$1 | $257 | $256 | 5.43% |
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 | 144 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 20 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 164 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EXCELLUS BLUE CROSS BLUE SHIELD | 161 | $2.8M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 450 | $142K |
| Vision | VISION SERVICE PLAN | 164 | $13K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 207 | $78K |
| Short-term disability(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 104 | $88K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 178 | $36K |
| Prescription drug | EXCELLUS BLUE CROSS BLUE SHIELD | 161 | $2.8M |
| Other(2 contracts, 2 carriers) | LIFE INSURANCE COMPANY OF NORTH AMERICA | 178 | $9K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 450 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.