| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PENTRA LLC3 | 795 E LANCASTER AVE STE 210 VILLANOVA, PA 19085 | EMBLEMHEALTH PLAN, INC. | $25K | — | $25K | 3.96% |
| EMERSON REID LLC3 Filed as: EMERSON REID CO. INC | 350 FIFTH AVENUE SUITE 3700 NEW YORK, NY 10018 | EMBLEMHEALTH PLAN, INC. | $0 | $6K | $6K | 0.98% |
| EMERSON REID LLC3 | 100 SUMMIT LAKE DRIVE SUITE 10595 VALHALLA, NY 10595 | HARTFORD LIFE AND ACCIDENT | $5K | $2K | $7K | 20.00% |
| EMERSON REID LLC3 | 100 SUMMIT LAKE DRIVE SUITE 10595 VALHALLA, NY 10595 | HARTFORD LIFE AND ACCIDENT | $0 | $367 | $367 | 1.05% |
| PENTRA LLC3 Filed as: PENTRA, LLC | TWO VILLANOVA CENTER VILLANOVA, PA 19085 | AETNA LIFE INSURANCE COMPANY | $2K | — | $2K | 7.46% |
| EMERSON REID LLC3 Filed as: EMERSON, REID LLC | THE EMPIRE STATE BUILDING NEW YORK, NY 10118 | AETNA LIFE INSURANCE COMPANY | $982 | — | $982 | 4.03% |
| PENTRA LLC3 | 795 E LANCASTER AVE STE 210 VILLANOVA, PA 190851500 | UNITEDHEALTHCARE INSURANCE COMPANY | $419 | — | $419 | 13.86% |
| EMERSON REID LLC3 | 1787 SENTRY PKWY W STE 320 BLUE BELL, PA 194222240 | UNITEDHEALTHCARE INSURANCE COMPANY | $210 | — | $210 | 6.94% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO | 669 RIVER DRIVE CENTER II #305 ELMWOOD PARK, NJ 07407 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $200 | $200 | 6.61% |
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 | 176 | 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) | 176 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EMBLEMHEALTH PLAN, INC. | 51 | $643K |
| Dental(2 contracts) | AETNA LIFE INSURANCE COMPANY | 48 | $29K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 45 | $3K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 180 | $35K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 180 | $35K |
| Other | HARTFORD LIFE AND ACCIDENT | 180 | $35K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 180 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.