| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMERSON REID LLC3 | 1787 SENTRY PKWY W VEVA 16 SUITE 320 BLUE BELL, PA 19422 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $3K | $2K | $5K | 8.77% |
| TRIBEN INSURANCE SOLUTIONS INC3 Filed as: TRIBEN INSURANCE SOLUTIONS INC. | 24 E. 2ND ST. MEDIA, PA 19063 | TRANSAMERICA LIFE INSURANCE COMPANY | $2K | — | $2K | 7.41% |
| ECBM LP3 | 1400 N PROVIDENCE RD. SUITE 5025 MEDIA, PA 19063 | TRANSAMERICA LIFE INSURANCE COMPANY | $906 | — | $906 | 4.00% |
| JAMES J. SUTHERLAND3 | 230 GREENCASTLE RD. TYRONE, GA 30290 | TRANSAMERICA LIFE INSURANCE COMPANY | $66 | — | $66 | 0.29% |
| EMERSON REID LLC3 | 350 5TH AVE., STE. 3700 NEW YORK, NY 10118 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $2K | $3K | 23.52% |
| EMERSON REID LLC3 | 350 5TH AVE., STE. 3700 NEW YORK, NY 10118 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $2K | $3K | 24.05% |
| EMERSON REID LLC3 | 350 5TH AVE., STE. 3700 NEW YORK, NY 10118 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $2K | $3K | 24.01% |
| ECBM LP3 | 1400 N. PROVIDENCE RD. ROSETREE II - STE 5025 MEDIA, PA 19063 | VISION BENEFITS OF AMERICA | $519 | — | $519 | 5.00% |
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 | 114 | 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) | 114 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 83 | $51K |
| Vision | VISION BENEFITS OF AMERICA | 77 | $10K |
| Life insurance(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 111 | $26K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 105 | $13K |
| Other(2 contracts, 2 carriers) | TRANSAMERICA LIFE INSURANCE COMPANY | 114 | $34K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 114 | — |
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.