| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMERSON REID LLC3 Filed as: EMERSON REID DBA GBA | 1787 SENTRY PARKWAY W VEVA 16, STE 320 BLUE BELL, PA 19422 | INDEPENDENCE BLUE CROSS | — | $149K | $149K | 1.27% |
| EMERSON REID LLC3 Filed as: EMERSON REID DBA TRA BENEFIT | 630 W GERMANTOWN PIKE STE 215 EXECUTIVE CAMPUS PLYMOUTH MTG, PA 19462 | INDEPENDENCE BLUE CROSS | — | $21K | $21K | 0.18% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND CO | 261 MADISON AVE., STE 602 NEW YORK, NY 10016 | UNITED CONCORDIA LIFE AND HEALTH INS CO | $44K | — | $44K | 7.91% |
| PAUL J. CONNOLLY3 Filed as: PAUL CONNOLLY | 2 PIERCE PLACE ITASCA, IL 60143 | UNUM | $48K | — | $48K | 10.94% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 2 PIERCE PLACE ITASCA, IL 60143 | UNUM | — | $6K | $6K | 1.37% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 2 PIERCE PLACE ITASCA, IL 60143 | UNUM LIFE INSURANCE COMPANY | $18K | $1K | $19K | 17.62% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 2 PIERCE PLACE, 14TH FLOOR ITASCA, IL 60143 | PROVIDENT LIFE AND ACCIDENT | $4K | $525 | $4K | 6.27% |
| LAWRENCE M. MCHUGH3 Filed as: LAWRENCE MCHUGH | 747 CONSTITUTION DR., STE 110 EXTON, PA 19341 | MASSACHUSETTS MUTUAL LIFE INS CO | $2K | $4K | $6K | 11.42% |
| GARY W. SMITH3 Filed as: GARY SMITH | 747 CONSTITUTION DR, STE 110 EXTON, PA 19341 | MASSACHUSETTS MUTUAL LIFE INS CO | $4K | — | $4K | 7.29% |
| MATTHEW JAMES DOBBIE3 | 5001 LOUISE DR, STE 300 MECHANICSBURG, PA 17055 | MASSACHUSETTS MUTUAL LIFE INS CO | $465 | $2K | $3K | 4.96% |
| JOSEPH MICHAEL FARAGASSO3 Filed as: JOSEPH FARAGASSO | 747 CONSTITUTION DRIVE EXTON, PA 19341 | MASSACHUSETTS MUTUAL LIFE INS CO | $1K | $9 | $1K | 2.48% |
| PHILIP GARY WIENKEN3 | 2125 ARBOR CT MECHANICSBURG, PA 17055 | MASSACHUSETTS MUTUAL LIFE INS CO | $319 | — | $319 | 0.60% |
| STEVEN M SMITH3 Filed as: STEVEN SMITH | 747 CONSTITUTION DR., STE 110 EXTON, PA 19341 | MASSACHUSETTS MUTUAL LIFE INS CO | $175 | — | $175 | 0.33% |
| JOHN MCSHERRY III3 Filed as: JOHN F MCSHERRY | 107 TWINING RD LANSDALE, PA 19446 | MASSACHUSETTS MUTUAL LIFE INS CO | $29 | $61 | $90 | 0.17% |
| ANDREW J BRAUN3 | 747 CONSTITUTION DR., STE 110 EXTON, PA 19341 | MASSACHUSETTS MUTUAL LIFE INS CO | — | $7 | $7 | 0.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 2 PIERECE PLACE, 14TH FLOOR ITASCA, IL 60143 | UNUM LIFE INSURANCE CO | $4K | $357 | $5K | 10.91% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 2 PIERCE PLACE ITASCA, IL 60143 | PROVIDENT LIFE AND ACCIDENT | $1K | $2K | $3K | 9.46% |
| PAUL J. CONNOLLY3 Filed as: PAUL CONNOLLY | 2 PIERCE PLACE ITASCA, IL 60143 | PROVIDENT LIFE AND ACCIDENT | $2K | — | $2K | 6.17% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 31 E BUTLER AVE, 1ST FL AMBLER, PA 19002 | PROVIDENT LIFE AND ACCIDENT | — | $426 | $426 | 1.46% |
| GALLAGHER BENEFIT SERVICES, INC.3 Filed as: GALLAGHER BENEFIT SERVICES | 2 PIERCE PLACE ITASCA, IL 60143 | PROVIDENT LIFE AND ACCIDENT INS CO | $2K | $1K | $3K | 99.49% |
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 | 821 | 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) | 824 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | INDEPENDENCE BLUE CROSS | 830 | $11.7M |
| Dental | UNITED CONCORDIA LIFE AND HEALTH INS CO | 1,608 | $551K |
| Vision | INDEPENDENCE BLUE CROSS | 830 | $11.7M |
| Life insurance(2 contracts, 2 carriers) | UNUM | 846 | $545K |
| Short-term disability(3 contracts, 2 carriers) | UNUM | 846 | $468K |
| Long-term disability(4 contracts, 3 carriers) | UNUM | 846 | $522K |
| Prescription drug | INDEPENDENCE BLUE CROSS | 830 | $11.7M |
| Other(5 contracts, 5 carriers) | UNUM | 846 | $700K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 1,608 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.