| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMERSON REID LLC | THE EMPIRE STATE BUILDING NEW YORK, NY 10118 | AETNA | $16K | — | $16K | 1.25% |
| KAMINER FINANCIAL GROUP, LTD | 1415 RT 70 E STE 510 CHERRY HILL, NJ 08034 | AETNA | $3K | — | $3K | 0.21% |
| DIGITAL INSURANCE LLC Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | AETNA | $1K | — | $1K | 0.09% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $803 | $4K | 7.42% |
| KAMINER FINANCIAL GROUP, LTD3 | 1415 RT 70 E STE 510 CHERRY HILL, NJ 08034 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $0 | $1K | 2.58% |
| EMERSON REID LLC3 | 1787 SENTRY PKWY STE 320 BLUE BELL, PA 19422 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $861 | $861 | 1.50% |
| KAMINER FINANCIAL GROUP, LTD | 1415 RT 70 E STE 510 CHERRY HILL, NJ 08034 | VISION SERVICE PLAN | $551 | — | $551 | 5.01% |
| MATTHEW MINK | 660 AMERICAN AVE, STE 101 KING OF PRUSSIA, PA 19406 | VISION SERVICE PLAN | $169 | — | $169 | 1.54% |
| DIGITAL INSURANCE LLC Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | VISION SERVICE PLAN | $9 | — | $9 | 0.08% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $140 | $1K | 11.90% |
| KAMINER FINANCIAL GROUP, LTD | 1415 RT 70 E STE 510 CHERRY HILL, NJ 08034 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $451 | — | $451 | 4.50% |
| EMERSON REID LLC3 | 1787 SENTRY PKWY STE 320 BLUE BELL, PA 19422 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | $150 | $150 | 1.50% |
| BLOCK, CHARLES, D3 Filed as: BLOCK, CHARLES D | 648 VILLAGE PARK, UNIT 208 WILMINGTON, NC 28405 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $144 | $1K | 20.08% |
| VAN EPPS, JAMES, H3 Filed as: VAN EPPS, JAMES H. | 10930 CRABAPPLE RD, STE 206 ROSWELL, GA 08034 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $125 | $1K | 19.81% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | $74 | $1K | 17.87% |
| KAMINER FINANCIAL GROUP, LTD | 1415 RT 70 E STE 510 CHERRY HILL, NJ 08034 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $496 | — | $496 | 7.20% |
| LEON MARTIN Filed as: LEON L LEVY & ASSOCIATES | 1818 MARKET ST, STE 3232 PHILADELPHIA, PA 19103 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $61 | — | $61 | 0.89% |
| MCELLAN, DAVID, JOEL3 | 114 ROYAL HORSE WAY REINHOLDS, PA 17569 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $41 | $0 | $41 | 0.60% |
| BLOCK, CHARLES, D3 Filed as: BLOCK, CHARLES D | 648 VILLAGE PARK, UNIT 208 WILMINGTON, NC 28405 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $556 | $96 | $652 | 15.82% |
| VAN EPPS, JAMES, H3 Filed as: VAN EPPS, JAMES H. | 10930 CRABAPPLE RD, STE 206 ROSWELL, GA 30075 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $556 | $83 | $639 | 15.51% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE INC. | 200 GALLERIA PKWY STE 1950 ATLANTA, GA 30339 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $521 | $49 | $570 | 13.83% |
| KAMINER FINANCIAL GROUP, LTD | 1415 RT 70 E STE 510 CHERRY HILL, NJ 08034 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $222 | — | $222 | 5.39% |
| LEON MARTIN Filed as: LEON L LEVY & ASSOCIATES | 1818 MARKET ST, STE 3232 PHILADELPHIA, PA 19103 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4 | — | $4 | 0.10% |
| MCELLAN, DAVID, JOEL | 114 ROYAL HORSE WAY REINHOLDS, PA 17569 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $4 | — | $4 | 0.10% |
| EMERSON REID LLC3 | THE EMPIRE STATE BUILDING NEW YORK, NY 10118 | UNUM LIFE INSURANCE COMPANY OF AMERICA | — | — | $0 | 0.00% |
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 | 223 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 223 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA | 196 | $1.3M |
| Dental | AETNA | 196 | $1.3M |
| Vision | VISION SERVICE PLAN | 110 | $11K |
| Life insurance(3 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 223 | $74K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 223 | $57K |
| Other(2 contracts) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 223 | $62K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 223 | — |
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.