| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ERNEST MARTINELLI3 Filed as: ERNEST M. MARTINELLI | 1101 FAYETTE STREET CONSHOHOCKEN, PA 19428 | UNITEDHEALTHCARE INSURANCE COMPANY | $0 | $116K | $116K | 4.74% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO. | 1305 WALT WHITMAN ROAD SUITE 310 MELVILLE, NY 11747 | UNITEDHEALTHCARE INSURANCE COMPANY | $4K | $6K | $11K | 0.44% |
| AON CONSULTING INC3 Filed as: AON CONSULTING INC. - GREEN BAY | 75 REMITTANCE DRIVE DEPT. 1446 CHICAGO, IL 60675 | UNITEDHEALTHCARE INSURANCE COMPANY | -$37 | $70K | $70K | 3.10% |
| AON CONSULTING INC3 Filed as: AON RISK SERVICES CENTRAL INC. | 75 REMITTANCE DRIVE SUITE 1446 CHICAGO, IL 60675 | DELTA DENTAL OF WISCONSIN | $6K | — | $6K | 3.55% |
| ERNEST MARTINELLI3 | 1101 FAYETTE STREET CONSHOHOCKEN, PA 19428 | HARTFORD LIFE AND ACCIDENT | $5K | — | $5K | 2.92% |
| ERNEST MARTINELLI3 Filed as: ERNEST M. MARTINELLI | 1101 FAYETTE STREET CONSHOHOCKEN, PA 19428 | STANDARD INSURANCE COMPANY | $5K | — | $5K | 6.68% |
| MICHAEL MARTINELLI3 | 1101 FAYETTE STREET CONSHOHOCKEN, PA 19428 | STANDARD INSURANCE COMPANY | $583 | — | $583 | 0.74% |
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 | 300 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 104 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 404 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts) | UNITEDHEALTHCARE INSURANCE COMPANY | 387 | $4.7M |
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF WISCONSIN | 196 | $161K |
| Vision(2 contracts, 2 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 387 | $2.5M |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 402 | $237K |
| Short-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 402 | $237K |
| Long-term disability(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 402 | $237K |
| Prescription drug(2 contracts) | UNITEDHEALTHCARE INSURANCE COMPANY | 387 | $4.7M |
| Other | HARTFORD LIFE AND ACCIDENT | 402 | $158K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 402 | — |
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."
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.