| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ERNEST MARTINELLI3 Filed as: ERNEST M MARTINELLI | 1101 FAYETTE STREET CONSHOHOCKEN, PA 19428 | LIFE INSURANCE OF NORTH AMERICA | $11K | — | $11K | 4.75% |
| EMERSON REID LLC3 | 1787 SENTRY PKWY W VEVA BLDG 16 STE 320 BLUE BELL, PA 19422 | LIFE INSURANCE OF NORTH AMERICA | — | $11K | $11K | 4.56% |
| LIBERTY COMPANY INSURANCE BROKERS3 | 5955 DE SOTO AVENUE, SUITE 250 WOODLAND HILLS, CA 91367 | LIFE INSURANCE OF NORTH AMERICA | $211 | — | $211 | 0.09% |
| THE LIBERTY COMPANY INSURANCE3 | 5955 DE SOTO AVE STE 250 WOODLAND HILLS, CA 91367 | DELTA DENTAL OF WISCONSIN | $5K | — | $5K | 3.93% |
| EMERSON REID LLC3 Filed as: EMERSON REID | 1787 SENTRY PARKWAY W VEVA 16 #320 BLUE BELL, PA 19422 | EYE MED | $574 | — | $574 | 4.65% |
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 | 198 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 201 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental(2 contracts, 2 carriers) | DELTA DENTAL OF WISCONSIN | 324 | $117K |
| Vision(2 contracts, 2 carriers) | EYE MED | 278 | $21K |
| Life insurance | LIFE INSURANCE OF NORTH AMERICA | 241 | $237K |
| Short-term disability | LIFE INSURANCE OF NORTH AMERICA | 241 | $237K |
| Long-term disability | LIFE INSURANCE OF NORTH AMERICA | 241 | $237K |
| Other | LIFE INSURANCE OF NORTH AMERICA | 241 | $237K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 324 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.