| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| RADNOR BENEFITS GROUP INC3 Filed as: RADNOR BENEFITS GROUP, INC. | 1550 LIBERTY RIDGE DRIVE SUITE 250 WAYNE, PA 19087 | BLUE CROSS BLUE SHIELD OF ILLINOIS | $38K | — | $38K | 2.27% |
| ASSUREDPARTNERS3 Filed as: SIMKISS AGENCY INC | PO BOX 1787 PAOLI, PA 19301 | BLUE CROSS BLUE SHIELD OF ILLINOIS | $21K | — | $21K | 1.24% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO INC | 669 RIVER DRIVE CENTER II STE 305 ATTN EDNA RODDA ELMWOOD PARK, NJ 074071361 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $2K | $10K | 6.24% |
| RADNOR BENEFITS GROUP INC3 Filed as: RADNOR BENEFITS GROUP, INC. | 1550 LIBERTY RIDGE DRIVE SUITE 250 WAYNE, PA 190875565 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $2K | $4K | 2.41% |
| EMERSON REID LLC3 | 1305 WALT WHITMON RD SUITE 310 MELVILLE, NY 11747 | HARTFORD LIFE AND ACCIDENT | $6K | $3K | $8K | 13.78% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INS SERVICES LLC | 470 PARK AVE SOUTH FLOOR 6 NEW YORK, NY 10016 | HARTFORD LIFE AND ACCIDENT | — | $1K | $1K | 2.17% |
| RADNOR BENEFITS GROUP INC3 Filed as: RADNOR BENEFITS GROUP, INC. | 1550 LIBERTY RIDGE DRIVE SUITE 250 WAYNE, PA 19087 | PRINCIPAL LIFE INSURANCE COMPANY | $3K | — | $3K | 10.00% |
| EMERSON REID LLC3 | 669 RIVER DR STE 305 ELMWOOD PARK, NJ 07407 | PRINCIPAL LIFE INSURANCE COMPANY | $843 | $142 | $985 | 3.50% |
| RADNOR BENEFITS GROUP INC3 Filed as: RADNOR BENEFITS GROUP | 1550 LIBERTY RIDGE DRIVE SUITE 250 WAYNE, PA 19087 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $2K | — | $2K | 16.58% |
| ASSUREDPARTNERS3 Filed as: THE SIMKISS AGENCY | PO BOX 1787 PAOLI, PA 19301 | FIDELITY SECURITY LIFE INSURANCE COMPANY | $98 | — | $98 | 0.70% |
| RADNOR BENEFITS GROUP INC3 Filed as: RADNOR BENEFITS GROUP, INC. | 1550 LIBERTY RIDGE DRIVE, SUITE 250 WAYNE, PA 19087 | SAFEGUARD HEALTH PLANS, INC., A CALIFORNIA CORPORATION | $219 | $34 | $253 | 10.85% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO INC | 669 RIVER DRIVE CENTER II STE 305 ATTN EDNA RODDA ELMWOOD PARK, NJ 074071361 | SAFEGUARD HEALTH PLANS, INC., A CALIFORNIA CORPORATION | $127 | $29 | $156 | 6.69% |
| RADNOR BENEFITS GROUP INC3 | 1550 LIBERTY RIDGE DRIVE SUITE 250 WAYNE, PA 19087 | AETNA INTERNATIONAL | $150 | — | $150 | 15.00% |
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 | 143 | 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) | 143 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | BLUE CROSS BLUE SHIELD OF ILLINOIS | 243 | $1.7M |
| Dental(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 398 | $159K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 213 | $14K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 211 | $61K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 137 | $28K |
| Prescription drug | BLUE CROSS BLUE SHIELD OF ILLINOIS | 243 | $1.7M |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 211 | $62K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 398 | — |
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.