| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMERSON REID LLC3 | 1781 SENTRY PARKWAY BLUE BELL, PA 19422 | HIGHMARK INC. | $170K | — | $170K | 6.06% |
| THE HORTON GROUP3 Filed as: THE HORTON GROUP INC | 10320 ORLAND PKWY ORLAND, IL 604675695 | UNITEDHEALTHCARE INSURANCE COMPANY | — | $56K | $56K | 5.19% |
| THOMAS DANCO3 Filed as: THOMAS P DANCO | 11150 SANTA MONICA BLVD STE 800 LOS ANGELES, CA 90025 | SYMETRA LIFE INSURANCE COMPANY | $20K | — | $20K | 9.52% |
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 | 430 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 432 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | HIGHMARK INC. | 343 | $3.9M |
| Dental | CIGNA HEALTH & LIFE INSURANCE COMPANY | 347 | $281K |
| Vision | FIDELITY SECURITY LIFE INSURANCE COMPANY | 384 | $30K |
| Life insurance | SYMETRA LIFE INSURANCE COMPANY | 430 | $214K |
| Short-term disability | SYMETRA LIFE INSURANCE COMPANY | 430 | $214K |
| Long-term disability | SYMETRA LIFE INSURANCE COMPANY | 430 | $214K |
| Other(3 contracts, 2 carriers) | SYMETRA LIFE INSURANCE COMPANY | 430 | $282K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 430 | — |
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."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.