| 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 | $3K | $603 | $4K | 20.54% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| EMPIRE HEALTHCHOICE ASSURANCE, INC. EIN 23-7391136 | Float revenue; Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan; Claims processing; Contract Administrator; Other services Service code 12 | — | $2.2M |
| EXPRESS SCRIPTS EIN 43-1420563 | Claims processing; Contract Administrator; Direct payment from the plan; Other fees Service code 12 | — | $1.1M |
| VITECH SYSTEMS GROUP EIN 13-3785492 | Recordkeeping and information management (computing, tabulating, data processing, etc.); Direct payment from the plan Service code 15 | — | $197K |
| INTEGRITY PHARMACEUTICAL ADVISORS, EIN 45-3047652 | Other fees; Contract Administrator; Direct payment from the plan Service code 13 | — | $120K |
| ROGER ROSS EIN 13-1545680 | Employee (plan) Service code 30 | — | $102K |
| LOUISE FURIO EIN 13-1545680 | Employee (plan) Service code 30 | — | $88K |
| JAMES C. WHITE EIN 13-1545680 | Employee (plan) Service code 30 | — | $61K |
| SEAN DRISCOLL EIN 13-1545680 | Employee (plan) Service code 30 | — | $56K |
| SABINA WRIGHT EIN 13-1545680 | Employee (plan) Service code 30 | — | $45K |
| THE SEGAL COMPANY EIN 13-1835864 | Direct payment from the plan; Actuarial Service code 11 | — | $42K |
| FRANCES MCCANN EIN 13-1545680 | Employee (plan) Service code 30 | — | $39K |
| SEGAL SELECT INSURANCE SERVICES EIN 46-0619194 | Direct payment from the plan; Insurance agents and brokers; Insurance brokerage commissions and fees Service code 22 | — | $36K |
| SEGAL MARCO ADVISORS EIN 13-2646110 | Investment advisory (plan) Service code 27 | — | $35K |
| LAPADULA, CARLSON & CO., CPA EIN 65-0292391 | Direct payment from the plan; Accounting (including auditing) Service code 10 | — | $34K |
| ROBERT LUGONES EIN 13-1545680 | Employee (plan) Service code 30 | — | $30K |
| TYLER WENGERT EIN 13-1545680 | Employee (plan) Service code 30 | — | $26K |
| PRUDENTIAL RETIREMENT INS AND ANNUI EIN 06-1050034 | Custodial (securities); Custodial (other than securities); Investment management fees paid indirectly by plan Service code 18 | — | $24K |
| LINDABURY MCCORMICK ESTABROOK & COO EIN 22-1943351 | Legal; Direct payment from the plan Service code 29 | — | $20K |
| CHUBB & SON EIN 13-1963496 | Insurance brokerage commissions and fees; Insurance services; Direct payment from the plan Service code 23 | — | $20K |
| COLLERAN, O'HARA, MILLS LLP EIN 11-2940050 | Legal; Direct payment from the plan Service code 29 | — | $15K |
| THE BANK OF NEW YORK MELLON EIN 13-5160382 | Direct payment from the plan; Custodial (other than securities) Service code 18 | — | $11K |
| AUTOMATIC DATA PROCESSING EIN 22-1467904 | Recordkeeping fees; Direct payment from the plan Service code 50 | — | $5K |
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 | 2,214 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2,379 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 4,593 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 10,492 | $6.0M |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,985 | $232K |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 1,985 | $232K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 10,492 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.