| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| UNIVEST INSURANCE INC3 Filed as: UNIVEST INUSURANCE INC. | 521 WEST MAIN STREET LANDSALE, PA 19446 | UNITEDHEALTHCARE INSURANCE COMPANY | -$71K | $72K | $172 | 0.00% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC. | 669 RIVER DRIVE CENTER II, SUITE 305 ELMWOOD PARK, NJ 07407 | METROPOLITAN LIFE INSURANCE COMPANY | $11K | $4K | $15K | 6.00% |
| UNIVEST INSURANCE INC3 Filed as: UNIVEST INUSURANCE INC. | PO BOX 391 LANDSALE, PA 19446 | METROPOLITAN LIFE INSURANCE COMPANY | $0 | $112 | $112 | 0.05% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC. | 4507 NORTH FRONT STREET, SUITE 301 HARRISBURG, PA 17110 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | $0 | $5K | 5.00% |
| UNIVEST INSURANCE INC3 Filed as: UNIVEST INUSURANCE INC. | 521 WEST MAIN STREET LANDSALE, PA 19446 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $0 | $2K | 2.00% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC. | 4507 NORTH FRONT STREET, SUITE 301 HARRISBURG, PA 17110 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | $0 | $3K | 5.00% |
| UNIVEST INSURANCE INC3 Filed as: UNIVEST INUSURANCE INC. | 521 WEST MAIN STREET LANSDALE, PA 19446 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $1K | $1K | 2.00% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC. | 4507 NORTH FRONT STREET, SUITE 301 HARRISBURG, PA 17110 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $675 | $0 | $675 | 5.00% |
| UNIVEST INSURANCE INC3 Filed as: UNIVEST INUSURANCE INC. | 521 WEST MAIN STREET LANSDALE, PA 19446 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $270 | $270 | 2.00% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC. | 4507 NORTH FRONT STREET, SUITE 301 HARRISBURG, PA 17110 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $520 | $0 | $520 | 5.00% |
| UNIVEST INSURANCE INC3 Filed as: UNIVEST INUSURANCE INC. | 521 WEST MAIN STREET LANSDALE, PA 19446 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $0 | $208 | $208 | 2.00% |
| STEVE BAKER3 | 153 ESTHER DRIVE COCOA BEACH, FL 32931 | PRE-PAID LEGAL SERVICES INC DBA LEGAL SHIELD | $2K | $0 | $2K | 44.05% |
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 | 339 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 342 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 740 | $4.5M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 672 | $246K |
| Vision | EYEMED | 742 | $40K |
| Life insurance | RELIANCE STANDARD LIFE INSURANCE COMPANY | 303 | $97K |
| Short-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 0 | $0 |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 305 | $57K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 740 | $4.5M |
| Other(4 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 303 | $126K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 742 | — |
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 comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.