| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMERSON REID LLC | 700 STONEWOOD DRIVE, SUITE 251 WEXFORD, PA 15090 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $11K | $0 | $11K | 1.81% |
| JRG ADVISORS LLC3 Filed as: JRG ADVISORS | 700 STONEWOOD DRIVE, SUITE 251 WEXFORD, PA 15090 | VISION BENEFITS OF AMERICA | $2K | $0 | $2K | 1.92% |
| MY BENEFIT ADVISOR LLC3 Filed as: MY BENEFIT ADVISOR | THE EMPIRE STATE BUILDING 350 FIFTH AVENUE, SUITE 3700 NEW YORK, NY 10118 | VISION BENEFITS OF AMERICA | $570 | $0 | $570 | 0.64% |
| MERCER HEALTH AND BENEFITS, LLC Filed as: MERCER HEALTH & BENEFITS, LLC | 701 MARKET ST., SUITE 1100 ST. LOUIS, MO 63101 | ZURICH AMERICAN INSURANCE COMPANY | $0 | $0 | $0 | — |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| HIGHMARK EIN 23-1294723 | Claims processing; Recordkeeping and information management (computing, tabulating, data processing, etc.); Contract Administrator Service code 12 | — | $643K |
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 | 497 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 9 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 506 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION BENEFITS OF AMERICA | 765 | $89K |
| Life insurance | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 951 | $607K |
| Long-term disability | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 951 | $607K |
| Other(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 951 | $607K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 951 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.