| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMERSON REID LLC3 | 1787 SENTRY PWY W VEVA 16 SUITE 320 BLUE BELL, PA 19422 | THE LINCOLN NATIONAL LIFE INSURANCE CO | $12K | $6K | $18K | 8.46% |
| CAMBRIDGE LIFE BROKERAGE LLC3 | 875 AVENUE OF THE AMERICAS SUITE 801 NEW YORK, NY 10001 | THE LINCOLN NATIONAL LIFE INSURANCE CO | $9K | — | $9K | 4.36% |
| EMERSON REID LLC3 | 1787 SENTRY PWY W VEVA 16 SUITE 320 BLUE BELL, PA 19422 | THE LINCOLN NATIONAL LIFE INSURANCE CO | $6K | $2K | $7K | 11.41% |
| CAMBRIDGE LIFE BROKERAGE LLC3 | 875 AVENUE OF THE AMERICAS SUITE 801 NEW YORK, NY 10001 | THE LINCOLN NATIONAL LIFE INSURANCE CO | $4K | — | $4K | 6.44% |
| EMERSON REID LLC3 | 1787 SENTRY PWY W VEVA 16 SUITE 320 BLUE BELL, PA 19422 | THE LINCOLN NATIONAL LIFE INSURANCE CO | $4K | $1K | $5K | 11.18% |
| CAMBRIDGE LIFE BROKERAGE LLC3 | 875 AVENUE OF THE AMERICAS SUITE 801 NEW YORK, NY 10001 | THE LINCOLN NATIONAL LIFE INSURANCE CO | $3K | — | $3K | 6.62% |
| CAMBRIDGE LIFE BROKERAGE LLC3 | 875 AVENUE OF THE AMERICAS SUITE 801 NEW YORK, NY 10001 | VISION SERVICE PLAN | $2K | — | $2K | 3.89% |
| EMERSON REID LLC3 | 1787 SENTRY PWY W VEVA 16 SUITE 320 BLUE BELL, PA 19422 | THE LINCOLN NATIONAL LIFE INSURANCE CO | $3K | $1K | $4K | 11.24% |
| CAMBRIDGE LIFE BROKERAGE LLC3 | 875 AVENUE OF THE AMERICAS SUITE 801 NEW YORK, NY 10001 | THE LINCOLN NATIONAL LIFE INSURANCE CO | $2K | — | $2K | 6.57% |
| EMERSON REID LLC3 | 1787 SENTRY PWY W VEVA 16 SUITE 320 BLUE BELL, PA 19422 | THE LINCOLN NATIONAL LIFE INSURANCE CO | $2K | $702 | $3K | 11.27% |
| CAMBRIDGE LIFE BROKERAGE LLC3 | 875 AVENUE OF THE AMERICAS SUITE 801 NEW YORK, NY 10001 | THE LINCOLN NATIONAL LIFE INSURANCE CO | $2K | — | $2K | 6.54% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| BLUE CROSS BLUE SHIELD OF ALABAMA EIN 63-0103830 ADMIN. SERVICES ONLY | Contract Administrator; Claims processing; Participant communication; Other services; Named fiduciary; Direct payment from the plan Service code 12 | 450 RIVERCHASE PARKWAY EAST PO BOX 995 BRIMINGHAM, AL 35298 | $89K |
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 | 315 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 315 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE CO | 225 | $214K |
| Vision | VISION SERVICE PLAN | 315 | $41K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE CO | 315 | $25K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE CO | 315 | $43K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 151 | $423K |
| Other(3 contracts) | THE LINCOLN NATIONAL LIFE INSURANCE CO | 315 | $126K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 315 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
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.