| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HORST INSURANCE3 Filed as: HGID INC DBA HORST INSURANCE | 320 GRANITE RUN DRIVE LANCASTER, PA 176043320 | HEALTH AMERICA OF PENNSYLVANIA, INC. | $45K | — | $45K | 4.00% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 1 INTERNATIONAL PLAZA STE 400 PHILADELPHIA, PA 19113 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $664 | $3K | 12.47% |
| EMERSON REID LLC3 Filed as: EMERSON REID,LLC | 1305 WALT WHITMAN RD STE 310 MELVILLE, PA 11747 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 6.82% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 1 INTERNATIONAL PLAZA STE 400 PHILADELPHIA, PA 19113 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $3K | $592 | $3K | 15.84% |
| EMERSON REID LLC3 Filed as: EMERSON REID,LLC | 1305 WALT WHITMAN RD STE 310 MELVILLE, NY 11747 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 8.77% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES, LLC | 1 INTERNATIONAL PLAZA STE 400 PHILADELPHIA, PA 19113 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $1K | $163 | $1K | 14.19% |
| EMERSON REID LLC3 Filed as: EMERSON REID,LLC | 1305 WALT WHITMAN RD STE 310 MELVILLE, PA 11747 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $834 | — | $834 | 9.61% |
| HORST INSURANCE3 Filed as: HGID INC DBA HORST INSURANCE | 320 GRANITE RUN DRIVE LANCASTER, PA 17601 | AMERITAS LIFE INSURANCE CORPORATION | $373 | — | $373 | 10.01% |
| HORST INSURANCE3 Filed as: HGID INC DBA HORST INSURANCE | 320 GRANITE RUN DRIVE LANCASTER, PA 17601 | AMERITAS LIFE INSURANCE CORPORATION | $179 | — | $179 | 10.02% |
| HORST INSURANCE3 Filed as: HGID INC DBA HORST INSURANCE | 320 GRANITE RUN DRIVE LANCASTER, PA 17601 | AMERITAS LIFE INSURANCE CORPORATION | $82 | — | $82 | 10.05% |
| HORST INSURANCE3 Filed as: HGID INC DBA HORST INSURANCE | 320 GRANITE RUN DRIVE LANCASTER, PA 176043320 | AMERITAS LIFE INSURANCE CORPORATION | $825 | — | $825 | — |
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 | 162 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 162 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HEALTH AMERICA OF PENNSYLVANIA, INC. | 198 | $1.1M |
| Dental(2 contracts) | AMERITAS LIFE INSURANCE CORPORATION | 138 | $4K |
| Vision(4 contracts) | AMERITAS LIFE INSURANCE CORPORATION | 151 | $6K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 99 | $26K |
| Short-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 30 | $9K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 83 | $21K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 198 | — |
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."
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.