| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: REUBEN WARNER ASSOCIATES INC. | 1655 RICHMOND AVE STATEN ISLAND, NY 10314 | SHELTERPOINT LIFE INSURANCE COMPANY | $9K | $0 | $9K | 5.00% |
| EMERSON REID LLC3 | 1787 SENTRY PKWY W.VEVA 16 BLUE BELL, PA 19422 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $6K | $0 | $6K | 5.05% |
| EMERSON REID LLC3 | 1787 SENTRY PKWY W.VEVA 16 BLUE BELL, PA 19422 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $5K | $0 | $5K | 5.00% |
| EMERSON REID LLC3 | 1787 SENTRY PKWY W.VEVA 16 BLUE BELL, PA 19422 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $4K | $0 | $4K | 5.00% |
| REUBEN WARNER ASSOCIATES, INC.3 Filed as: REUBEN WARNER ASSOCIATES INC. | 1655 RICHMOND AVE STATEN ISLAND, NY 10314 | SHELTERPOINT LIFE INSURANCE COMPANY | $2K | $0 | $2K | 3.14% |
| EMERSON REID LLC3 | 1787 SENTRY PKWY W.VEVA 16 BLUE BELL, PA 19422 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $2K | $0 | $2K | 5.00% |
| EMERSON REID LLC3 | 1787 SENTRY PKWY W.VEVA 16 BLUE BELL, PA 19422 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $483 | $0 | $483 | 5.00% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA EIN 59-1031071 ADMINISTRATOR | Contract Administrator; Claims processing Service code 12 | — | $306K |
| USI INSURANCE SERVICES LLC EIN 13-3771734 INSURANCE BROKER | Other commissions Service code 55 | — | $180K |
| SPECTERA, INC. EIN 52-1260282 ADMINISTRATOR | Contract Administrator Service code 13 | — | $5K |
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 | 649 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 649 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | AETNA LIFE INSURANCE CO. | 219 | $38K |
| Life insurance(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 649 | $165K |
| Short-term disability(4 contracts, 3 carriers) | SHELTERPOINT LIFE INSURANCE COMPANY | 725 | $415K |
| Long-term disability | RELIANCE STANDARD LIFE INSURANCE COMPANY | 649 | $77K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE CO AND AFFILIATES | 714 | $398K |
| Other(2 contracts, 2 carriers) | SHELTERPOINT LIFE INSURANCE COMPANY | 649 | $74K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 725 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.