| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMERSON REID LLC3 Filed as: EMERSON REID & CO | EMPIRE STATE BUILDING 350 FIFTH AVENUE, SUITE 3700 NEW YORK, NY 10118 | STANDARD INSURANCE COMPANY | $12K | — | $12K | 5.00% |
| ERNEST MARTINELLI3 | 1101 FAYETTE STREET CONSHOHOCKEN, PA 19428 | STANDARD INSURANCE COMPANY | $11K | — | $11K | 4.67% |
| MICHAEL MARTINELLI3 | 1101 FAYETTE STREET CONSHOHOCKEN, PA 19428 | STANDARD INSURANCE COMPANY | $1K | — | $1K | 0.52% |
| ERNEST MARTINELLI3 | 1101 FAYETTE STREET CONSHOHOCKEN, PA 19428 | DELTA DENTAL OF WISCONSIN | $5K | — | $5K | 3.82% |
| EMERSON REID LLC3 Filed as: EMERSON REID | 1787 SENTRY PARKWAY W VEVA 16 #320 BLUE BELL, PA 19422 | EYE MED | $422 | — | $422 | 5.46% |
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 | 206 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 16 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 222 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF WISCONSIN | 356 | $124K |
| Vision(2 contracts, 2 carriers) | VISION BENEFITS OF AMERICA | 263 | $16K |
| Life insurance | STANDARD INSURANCE COMPANY | 338 | $237K |
| Short-term disability | STANDARD INSURANCE COMPANY | 338 | $237K |
| Long-term disability | STANDARD INSURANCE COMPANY | 338 | $237K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 356 | — |
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.