| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMERSON REID LLC3 | 100 PINEWOOD LANE SUITE 301 WARRENDALE, PA 15086 | HIGHMARK INC. | $70K | — | $70K | 1.10% |
| ASSUREDPARTNERS3 Filed as: THE SIMKISS AGENCY INC | 1041 OLD CASSATT ROAD BERWYN, PA 19312 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | — | $9K | 7.60% |
| EMERSON REID LLC3 | 1787 SENTRY PWY W VEVA 16 #320 BLUE BELL, PA 19422 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $6K | $6K | $12K | 16.22% |
| ASSUREDPARTNERS3 Filed as: THE SIMKISS AGENCY INC | 1041 OLD CASSATT ROAD BERWYN, PA 19312 | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $5K | $990 | $6K | 17.99% |
| ASSUREDPARTNERS3 Filed as: THE SIMKISS AGENCY | 2 PAOLI OFFICE PARK PO BOX 1787 PAOLI, PA 19301 | AETNA INTERNATIONAL | $150 | — | $150 | — |
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 | 574 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 37 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 611 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK INC. | 1,434 | $6.4M |
| Dental | GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 539 | $32K |
| Vision | HIGHMARK INC. | 1,434 | $6.4M |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 779 | $117K |
| Long-term disability | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 567 | $74K |
| Prescription drug | HIGHMARK INC. | 1,434 | $6.4M |
| Other(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 779 | $117K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,434 | — |
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."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.