| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PENTRA LLC3 | 795 E LANCASTER AVE STE 210 VILLANOVA, PA 190851500 | UNITEDHEALTHCARE INSURANCE COMPANY | $38K | $0 | $38K | 2.13% |
| COBB B LLC3 | DBA LAMB FINANCIAL GROUP 370 LEXINGTON AVE RM 608 NEW YORK, NY 100176591 | UNITEDHEALTHCARE INSURANCE COMPANY | $34K | $0 | $34K | 1.93% |
| EMERSON REID LLC3 | 1787 SENTRY PKWY W STE 320 BLUE BELL, PA 194222240 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $21K | $21K | 1.17% |
| COBB B LLC3 | 1100 E HECTOR ST STE 470 CONSHOHOCKEN, PA 194282374 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $7K | $0 | $7K | 6.76% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO INC | 1305 WALT WHITMAN RD STE 310 MELVILLE, NY 117474300 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | $0 | $5K | 5.00% |
| PENTRA LLC3 | 795 E LANCASTER AVE STE 210 VILLANOVA, PA 190851525 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $0 | $1K | 1.24% |
| EMERSON REID LLC3 | 1787 SENTRY PKWY W. VEVA 16 BLUE BELL, PA 19422 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $0 | $3K | 13.86% |
| EMERSON REID LLC3 | 1787 SENTRY PKWY W. VEVA 16 BLUE BELL, PA 19422 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $0 | $3K | 19.60% |
| COBB B LLC3 | 1100 E HECTOR ST STE 470 CONSHOHOCKEN, PA 194282374 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $737 | $0 | $737 | 6.73% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO INC | 1305 WALT WHITMAN RD STE 310 MELVILLE, NY 117474300 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $548 | $0 | $548 | 5.00% |
| PENTRA LLC3 | 795 E LANCASTER AVE STE 210 VILLANOVA, PA 190851525 | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | $139 | $0 | $139 | 1.27% |
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 | 171 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 171 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 180 | $1.8M |
| Dental | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 283 | $97K |
| Vision | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 198 | $11K |
| Life insurance | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 171 | $19K |
| Long-term disability | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 170 | $17K |
| Other | FIRST RELIANCE STANDARD LIFE INSURANCE COMPANY | 171 | $19K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 283 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.