| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| KAMINER FINANCIAL GROUP, LTD | 1415 RT 70 E STE 510 CHERRY HILL, NJ 08034 | NIPPON LIFE INSURANCE COMPANY OF AMERICA | $38K | — | $38K | 5.00% |
| EMERSON REID LLC Filed as: EMERSON REID & CO | 261 MADISON AVE. 6TH FL STE 602 NEW YORK, NY 10016 | NIPPON LIFE INSURANCE COMPANY OF AMERICA | $5K | — | $5K | 0.61% |
| LEON MARTIN3 Filed as: LEON L. LEVY & ASSOCIATES | PO BOX 378 JENKINTOWN, PA 19046 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4K | $339 | $4K | 10.65% |
| EMERSON REID LLC3 | 630 W. GERMANTOWN PIKE SUITE 215 PLYMOUTH MEETING, PA 19462 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $2K | $2K | 5.28% |
| LEON MARTIN3 Filed as: LEON L. LEVY & ASSOCIATES | PO BOX 378 JENKINTOWN, PA 19046 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 12.31% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO | 4507 N. FRONT STREET HARRISBURG, PA 17110 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $809 | — | $809 | 2.96% |
| LEON MARTIN3 Filed as: LEON L. LEVY & ASSOCIATES | PO BOX 378 JENKINTOWN, PA 19046 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $1K | — | $1K | 10.89% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO | 4507 N. FRONT STREET, SUITE 301 HARRISBURG, PA 17110 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $303 | — | $303 | 2.96% |
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 | 216 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 216 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | NIPPON LIFE INSURANCE COMPANY OF AMERICA | 97 | $766K |
| Life insurance(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 216 | $48K |
| Long-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 216 | $65K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 216 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.