| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMERSON REID LLC3 | 1787 SENTRY PKWY. W. VEVA 16 SUITE 320 BLUE BELL, PA 19422 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $23K | $4K | $27K | 9.45% |
| EMERSON REID LLC3 | 261 MADISON AVE. STE. 602 NEW YORK, NY 100162303 | MUTUAL OF OMAHA INSURANCE COMPANY | $5K | $5K | $10K | 16.45% |
| EMERSON REID LLC3 | 261 MADISON AVE. STE. 602 NEW YORK, NY 100162303 | MUTUAL OF OMAHA INSURANCE COMPANY | $3K | $4K | $7K | 17.67% |
| EMERSON REID LLC3 | 261 MADISON AVE. STE. 602 NEW YORK, NY 100162303 | MUTUAL OF OMAHA INSURANCE COMPANY | $2K | $2K | $4K | 18.93% |
| EMERSON REID LLC3 | 261 MADISON AVE. STE. 602 NEW YORK, NY 100162303 | MUTUAL OF OMAHA INSURANCE COMPANY | $3K | $2K | $4K | 23.99% |
| EMERSON REID LLC3 | 261 MADISON AVE. STE. 602 NEW YORK, NY 100162303 | MUTUAL OF OMAHA INSURANCE COMPANY | $500 | $447 | $947 | 18.93% |
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 | 489 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 489 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 489 | $551K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 239 | $287K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 239 | $287K |
| Life insurance(2 contracts) | MUTUAL OF OMAHA INSURANCE COMPANY | 281 | $39K |
| Short-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 281 | $40K |
| Long-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 281 | $61K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 489 | $551K |
| Other | MUTUAL OF OMAHA INSURANCE COMPANY | 281 | $5K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 489 | — |
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 compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.