| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FOSTER THOMAS INC3 | 181 HARRY S TRUMAN PARKWAY SUITE 110 ANNAPOLIS, MD 21401 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $147K | $147K | 5.93% |
| EMERSON REID LLC3 Filed as: EMERSON REID & COMPANY, INC. | 1787 SENTRY PARKWAY WEST VEVA 16 SUITE 320 BLUE BELL, PA 19422 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $44K | $44K | 1.78% |
| EMERSON REID LLC3 Filed as: EMERSON REID & COMPANY INC | 5200 NORTH PALM AVENUE #114 FRESNO, CA 93704 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | — | $726 | $726 | 5.20% |
| FOSTER THOMAS INC3 | 181 HARRY S TRUMAN PARKWAY SUITE 110 ANNAPOLIS, MD 21401 | EMPIRE HEALTHCHOICE ASSURANCE, INC. | $726 | — | $726 | 5.20% |
| FOSTER THOMAS INC3 | 181 HARRY S TRUMAN PARKWAY SUITE 110 ANNAPOLIS, MD 21401 | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | $1K | — | $1K | 10.03% |
| FOSTER THOMAS INC3 | 181 HARRY S TRUMAN PARKWAY SUITE 110 ANNAPOLIS, MD 21401 | UNITEDHEALTHCARE INSURANCE COMPANY | $210 | — | $210 | 10.00% |
| EMERSON REID LLC3 | 1787 SENTRY PARKWAY WEST SUITE 320 BLUE BELL, PA 19422 | UNITEDHEALTHCARE INSURANCE COMPANY | $105 | — | $105 | 5.00% |
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 | 360 | 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) | 367 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 404 | $2.5M |
| Dental | EMPIRE HEALTHCHOICE ASSURANCE, INC. | 294 | $14K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 289 | $2K |
| Life insurance | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | 351 | $13K |
| Short-term disability | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | 351 | $13K |
| Long-term disability | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | 351 | $13K |
| Other | SUN LIFE AND HEALTH INSURANCE COMPANY (U.S.) | 351 | $13K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 404 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.