| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMERSON REID LLC3 | 1787 SENTRY PARKWAY SUITE 320 BLUE BELL, PA 19422 | THE LINCOLN NATIONAL LIFE INSURANCE CO | $22K | $15K | $37K | 16.82% |
| EMERSON REID LLC3 | 1787 SENTRY PARKWAY SUITE 320 BLUE BELL, PA 19422 | THE LINCOLN NATIONAL LIFE INSURANCE CO | $12K | $6K | $18K | 23.10% |
| EMERSON REID LLC3 | 1787 SENTRY PARKWAY SUITE 320 BLUE BELL, PA 19422 | THE LINCOLN NATIONAL LIFE INSURANCE CO | $10K | $5K | $14K | 22.47% |
| EMERSON REID LLC3 | 1787 SENTRY PARKWAY SUITE 320 BLUE BELL, PA 19422 | THE LINCOLN NATIONAL LIFE INSURANCE CO | $7K | $4K | $11K | 22.83% |
| CAMBRIDGE LIFE BROKERAGE LLC3 | 875 AVENUE OF THE AMERICAS 350 FIFTH AVENUE, SUITE 1801 NEW YORK, NY 10001 | VISION SERVICE PLAN | $2K | — | $2K | 4.89% |
| CAMBRIDGE LIFE BROKERAGE LLC3 | 875 AVENUE OF THE AMERICAS 350 FIFTH AVENUE, SUITE 801 NEW YORK, NY 10001 | THE GUARDIAN LIFE INSURANCE COMPANY | $7K | $2K | $9K | 25.96% |
| WAG NY INC3 | 250CROSSWAYS PK DR WOODBURY, NY 11797 | THE GUARDIAN LIFE INSURANCE COMPANY | $33 | — | $33 | 0.10% |
| EMERSON REID LLC3 | 1787 SENTRY PARKWAY SUITE 320 BLUE BELL, PA 19422 | THE LINCOLN NATIONAL LIFE INSURANCE CO | $4K | $2K | $6K | 23.52% |
| CAMBRIDGE LIFE BROKERAGE LLC3 | 875 AVENUE OF THE AMERICAS 350 FIFTH AVENUE, SUITE 1010 NEW YORK, NY 10001 | BLUECROSS BLUESHIELD OF ALABAMA | — | $73K | $73K | — |
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 | 311 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 311 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUECROSS BLUESHIELD OF ALABAMA | 337 | $0 |
| Dental | THE LINCOLN NATIONAL LIFE INSURANCE CO | 218 | $221K |
| Vision | VISION SERVICE PLAN | 311 | $46K |
| Life insurance | THE LINCOLN NATIONAL LIFE INSURANCE CO | 309 | $26K |
| Short-term disability | THE GUARDIAN LIFE INSURANCE COMPANY | 80 | $33K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE CO | 309 | $64K |
| Stop-loss / reinsurancereinsurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 154 | $632K |
| Other(4 contracts, 2 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE CO | 309 | $185K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 337 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.