| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMERSON REID LLC3 Filed as: EMERSON REID & COMPANY INC. | 1787 SENTRY PKWY W VEVA 16 SUITE 320 BLUE BELL, PA 19422 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | — | $69K | $69K | 8.17% |
| EMERSON REID LLC3 Filed as: EMERSON REID & COMPANY, INC. | 1787 SENTRY PKWY W VEVA 16 SUITE 320 BLUE BELL, PA 19422 | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | — | $15K | $15K | 1.82% |
| EMERSON REID LLC3 | 350 STH AVE STE 3700 NEW YORK, NY 10118 | MUTUAL OF OMAHA INSURANCE COMPANY | $4K | $4K | $9K | 12.38% |
| WILLIAM A GRAHAM COMPANY3 | ONE PENN SQUARE WEST PHILADELPHIA, PA 19102 | MUTUAL OF OMAHA INSURANCE COMPANY | $334 | — | $334 | 0.47% |
| EMERSON REID LLC3 | 1787 SENTRY PKWY W VEVA 16 SUITE 320 BLUE BELL, PA 19422 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $6K | $3K | $9K | 12.92% |
| WILLIAM A GRAHAM COMPANY3 Filed as: WILLIAM A GRAHAM CO | ONE PENN SQUARE WEST PHILADELPHIA, PA 19102 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 1.48% |
| EMERSON REID LLC3 | 350 5TH AVE STE 3700 NEW YORK, NY 10118 | MUTUAL OF OMAHA INSURANCE COMPANY | $3K | $3K | $5K | 12.90% |
| WILLIAM A GRAHAM COMPANY3 | ONE PENN SQUARE WEST PHILADELPHIA, PA 19102 | MUTUAL OF OMAHA INSURANCE COMPANY | $782 | — | $782 | 1.84% |
| EMERSON REID LLC3 | 350 5TH AVE STE 3700 NEW YORK, NY 10118 | COMPANION LIFE INSURANCE COMPANY | $3K | $2K | $4K | 16.68% |
| WILLIAM A GRAHAM COMPANY3 | ONE PENN SQUARE WEST PHILADELPHIA, PA 19102 | COMPANION LIFE INSURANCE COMPANY | $1K | — | $1K | 5.02% |
| EMERSON REID LLC3 | 350 5TH AVE STE 3700 NEW YORK, NY 10118 | COMPANION LIFE INSURANCE COMPANY | $1K | $1K | $3K | 12.91% |
| WILLIAM A GRAHAM COMPANY3 | ONE PENN SQUARE WEST PHILADELPHIA, PA 19102 | COMPANION LIFE INSURANCE COMPANY | $703 | — | $703 | 3.31% |
| EMERSON REID LLC3 | 350 5TH AVE STE 3700 NEW YORK, NY 10118 | MUTUAL OF OMAHA INSURANCE COMPANY | $406 | $377 | $783 | 12.90% |
| WILLIAM A GRAHAM COMPANY3 | ONE PENN SQUARE WEST PHILADELPHIA, PA 19102 | MUTUAL OF OMAHA INSURANCE COMPANY | $201 | — | $201 | 3.31% |
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 | 313 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 315 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 531 | $917K |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 279 | $70K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 279 | $70K |
| Life insurance(3 contracts, 2 carriers) | COMPANION LIFE INSURANCE COMPANY | 312 | $53K |
| Short-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 311 | $43K |
| Long-term disability | MUTUAL OF OMAHA INSURANCE COMPANY | 312 | $71K |
| Prescription drug | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 531 | $847K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 312 | $76K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 531 | — |
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.