| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| SEVEN CORNERS INS. SOLUTIONS, INC.3 | 400 CONTINENTAL BLVD., SUITE 6006 EL SEGUNDO, CA 90245 | DELTA DENTAL OF TENNESSEE | $9K | — | $9K | 10.00% |
| SEVEN CORNERS INS. SOLUTIONS, INC.3 | 21241 S. WESTERN AVE., SUITE 250 TORRANCE, CA 90501 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $1K | $5K | 9.81% |
| EMERSON REID LLC3 Filed as: EMERSON REID | 21700 OXNARD STREET, STE 1200 WOODLAND HILLS, CA 91367 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $591 | — | $591 | 1.16% |
| SEVEN CORNERS INS. SOLUTIONS, INC.3 | 21241 S. WESTERN AVE., SUITE 250 TORRANCE, CA 90501 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 6.97% |
| EMERSON REID LLC3 | 1787 SENTRY PKWY W BLUE BELL, PA 19422 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $172 | — | $172 | 0.45% |
| SEVEN CORNERS INS. SOLUTIONS, INC.3 | 21241 S. WESTERN AVE., SUITE 250 TORRANCE, CA 90501 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $752 | $4K | 14.82% |
| EMERSON REID LLC3 Filed as: EMERSON REID | 21700 OXNARD STREET, STE 1200 WOODLAND HILLS, CA 91367 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $325 | — | $325 | 1.16% |
| EMERSON REID LLC3 | 1787 SENTRY PARKWAY W VERA 16 BLUE BELL, PA 19422 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $108 | — | $108 | 0.39% |
| SEVEN CORNERS INS. SOLUTIONS, INC.3 | 21241 S. WESTERN AVE., SUITE 250 TORRANCE, CA 90501 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | $305 | $1K | 13.76% |
| EMERSON REID LLC3 Filed as: EMERSON REID | 21700 OXNARD STREET, STE 1200 WOODLAND HILLS, CA 91367 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $121 | — | $121 | 1.16% |
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 | 309 | 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) | 309 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | DELTA DENTAL OF TENNESSEE | 313 | $94K |
| Vision | RELIANCE STANDARD LIFE INSURANCE COMPANY | 245 | $38K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 309 | $10K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 304 | $51K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 309 | $28K |
| Other | RELIANCE STANDARD LIFE INSURANCE COMPANY | 309 | $10K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 313 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.