| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| PENTRA LLC3 | 795 E LANCASTER AVE STE 210 VILLANOVA, PA 19085 | EMBLEMHEALTH PLAN, INC. | $31K | — | $31K | 4.11% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 350 FIFTH AVENUE SUITE 3700 NEW YORK, NY 10018 | EMBLEMHEALTH PLAN, INC. | $0 | $7K | $7K | 0.88% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | 100 SUMMIT LAKE DR VALHALLA, NY 10595 | HARTFORD LIFE AND ACCIDENT | $5K | $2K | $7K | 20.00% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | 100 SUMMIT LAKE DR VALHALLA, NY 10595 | HARTFORD LIFE AND ACCIDENT | $0 | $700 | $700 | 1.97% |
| PENTRA LLC3 Filed as: PENTRA, LLC | TWO VILLANOVA CENTER VILLANOVA, PA 19085 | AETNA LIFE INSURANCE COMPANY | $2K | — | $2K | 7.40% |
| EMERSON REID LLC3 Filed as: EMERSON, REID LLC | THE EMPIRE STATE BUILDING NEW YORK, NY 10018 | AETNA LIFE INSURANCE COMPANY | $528 | — | $528 | 2.35% |
| ASSUREDPARTNERS3 Filed as: EMERSON, ROGERS LLC | THE EMPIRE STATE BUILDING NEW YORK, NY 10118 | AETNA LIFE INSURANCE COMPANY | $369 | — | $369 | 1.65% |
| PENTRA LLC3 | 1041 OLD CASSATT RD BERWYN, PA 193121152 | UNITEDHEALTHCARE INSURANCE COMPANY | $455 | — | $455 | 9.99% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC NJ NY | 1787 SENTRY PKWY W STE 320 BLUE BELL, PA 194222240 | UNITEDHEALTHCARE INSURANCE COMPANY | $228 | — | $228 | 5.01% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO | 669 RIVER DRIVE CENTER II #305 ELMWOOD PARK, NJ 07407 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $185 | $185 | 4.06% |
| INTEGRATED BENEFIT SERVICES INC3 | 795 E LANCASTER AVE # 210 VILLANOVA, PA 190851500 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $126 | $126 | 2.77% |
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 | 181 | 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) | 181 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | EMBLEMHEALTH PLAN, INC. | 55 | $762K |
| Dental(2 contracts) | AETNA LIFE INSURANCE COMPANY | 50 | $27K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 53 | $5K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 163 | $36K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 163 | $36K |
| Other | HARTFORD LIFE AND ACCIDENT | 163 | $36K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 163 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.