| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BEN GRP OF HAUDENSCHIELD HARRISON &3 | BLAC 27 JOHNSON RD SCOTT TOWNSHIP, PA 184117731 | UNITEDHEALTHCARE INSURANCE COMPANY | $15K | — | $15K | 8.43% |
| PROFESSIONAL GROUP PLANS INC3 Filed as: PROFESSIONAL GROUP PLANS, INC | 225 WIRELESS BLVD STE 200 HAUPPAUGE, NY 117883914 | UNITEDHEALTHCARE INSURANCE COMPANY | $7K | — | $7K | 4.22% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO | 669 RIVER DRIVE CENTER II # 305 ELMWOOD PARK, NJ 07407 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $6K | $6K | 3.67% |
| PENTRA LLC3 | 1041 OLD CASSATT RD BERWYN, PA 193121152 | UNITEDHEALTHCARE INSURANCE COMPANY | $1K | — | $1K | 0.78% |
| EMERSON REID LLC3 Filed as: EMERSON REID NJ NY | 1787 SENTRY PKWY W STE 320 BLUE BELL, PA 194222240 | UNITEDHEALTHCARE INSURANCE COMPANY | $673 | — | $673 | 0.39% |
| THE BENEFITS GROUP OF HAUDENSCHIELD3 Filed as: BENEFITS GROUP OF HAUDENSCHIELD | HARRISON AND BLACHEK 27 JOHNSON RD CLARKS SUMMIT, PA 18411 | ANTHEM LIFE & DISABILITY INSURANCE COMPANY | $9K | — | $9K | 8.02% |
| PROFESSIONAL GROUP PLANS INC3 | 225 WIRELESS BLVD HAUPPAUGE, NY 11788 | ANTHEM LIFE & DISABILITY INSURANCE COMPANY | $0 | $6K | $6K | 6.05% |
| COBB B LLC3 | 795 EAST LANCASTER AVENUE SUITE 21 VILLANOVA, PA 19085 | ANTHEM LIFE & DISABILITY INSURANCE COMPANY | $839 | — | $839 | 0.78% |
| EMERSON REID LLC3 Filed as: EMERSON REID & COMPANY INC | 5200 N PALM AVE #114 FRESNO, CA 93704 | ANTHEM LIFE & DISABILITY INSURANCE COMPANY | $0 | $521 | $521 | 0.49% |
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 | 178 | 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) | 178 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 294 | $172K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 294 | $172K |
| Life insurance | ANTHEM LIFE & DISABILITY INSURANCE COMPANY | 178 | $107K |
| Short-term disability | ANTHEM LIFE & DISABILITY INSURANCE COMPANY | 178 | $107K |
| Long-term disability | ANTHEM LIFE & DISABILITY INSURANCE COMPANY | 178 | $107K |
| Other | ANTHEM LIFE & DISABILITY INSURANCE COMPANY | 178 | $107K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 294 | — |
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.