| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | 1787 SENTRY PKWY W BLUE BELL, PA 19422 | INDEPENDENCE BLUE CROSS | $38K | $2K | $40K | 7.25% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | 1787 SENTRY PKWY W BLUE BELL, PA 19422 | INDEPENDENCE BLUE CROSS | $0 | $900 | $900 | 0.67% |
| GCG FINANCIAL LLC3 Filed as: SIMKISS & BLOCK AN ALERA GROUP | AGENCY 1041 OLD CASSATT RD BERWYN, PA 193121152 | UNITEDHEALTHCARE INSURANCE COMPANY | $7K | — | $7K | 13.00% |
| ASSUREDPARTNERS3 Filed as: SIMKISS AGCY INC | 1041 OLD CASSATT RD BERWYN, PA 193121152 | UNITEDHEALTHCARE INSURANCE COMPANY | $3K | — | $3K | 7.48% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC PA DE | 1787 SENTRY PKWY W STE 320 BLUE BELL, PA 194222240 | UNITEDHEALTHCARE INSURANCE COMPANY | $2K | — | $2K | 4.77% |
| GCG FINANCIAL LLC3 Filed as: SIMKISS & BLOCK, AN ALERA GROUP | 1041 OLD CASSATT ROAD BERWYN, PA 19312 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $4K | — | $4K | 77.63% |
| GCG FINANCIAL LLC3 Filed as: ALERA GROUP, INC. | 1041 OLD CASSATT ROAD BERWYN, PA 19312 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $0 | $804 | $804 | 16.50% |
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 | 95 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 96 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | INDEPENDENCE BLUE CROSS | 107 | $556K |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 103 | $42K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 103 | $42K |
| Life insurance | UNITEDHEALTHCARE INSURANCE COMPANY | 135 | $55K |
| Short-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 135 | $55K |
| Long-term disability | UNITEDHEALTHCARE INSURANCE COMPANY | 135 | $55K |
| Prescription drug | INDEPENDENCE BLUE CROSS | 67 | $134K |
| Other(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 135 | $60K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 135 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.