| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| UNIVEST INSURANCE INC3 Filed as: UNIVEST INSURANCE INC. | 521 WEST MAIN STREET PO BOX 391 LANSDALE, PA 19446 | UNITEDHEALTHCARE INSURANCE COMPANY | $34K | $0 | $34K | 7.80% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY | 1305 WALT WHITMAN ROAD, SUITE 310 MELVILLE, NY 11747 | UNITEDHEALTHCARE INSURANCE COMPANY | $12K | $0 | $12K | 2.80% |
| UNIVEST INSURANCE INC3 | 9120 CHESAPEAKE AVENUE NORTH BEACH, MD 50714 | UNITEDHEALTHCARE INSURANCE COMPANY | $1K | $0 | $1K | 0.23% |
| UNIVEST INSURANCE INC3 Filed as: UNIVEST INSURANCE INC. | PO BOX 391 LANSDALE, PA 19446 | AETNA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 6.97% |
| UNIVEST INSURANCE INC3 Filed as: UNIVEST INSURANCE INC. | PO BOX 522 NORTH BEACH, MD 20714 | VISION SERVICE PLAN | $581 | $0 | $581 | 8.79% |
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 | 146 | 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) | 146 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 100 | $441K |
| Dental | AETNA LIFE INSURANCE COMPANY | 89 | $38K |
| Vision | VISION SERVICE PLAN | 55 | $7K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 100 | $441K |
| Other | PENN FOUNDATION | 146 | $3K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 146 | — |
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.