| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC. | 1787 SENTRY PARKWAY WEST BLUE BELL, PA 19422 | INDEPENDENCE BLUE CROSS | — | $114K | $114K | 0.80% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 5TH FLOOR ROLLING MEADOWS, IL 60008 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $84K | $0 | $84K | 10.85% |
| AMERIHEALTH ADMINISTRATORS INC3 Filed as: AMERIHEALTH ADMNISTRATORS, INC. | PO BOX 21545 EAGAN, MN 55121 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $15K | $0 | $15K | 2.00% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC. | UNKNOWN NEW YORK, NY 10118 | UNITED CONCORDIA INSURANCE COMPANY | $39K | — | $39K | 5.55% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $1K | $4K | 3.36% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE, 14TH FLOOR ITASCA, IL 60143 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $2K | $0 | $2K | 2.17% |
| PAUL J. CONNOLLY3 | TWO PIERCE PLACE, 21ST FLOOR ITASCA, IL 60143 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $539 | $0 | $539 | 0.49% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 11TH FLOOR ROLLING MEADOWS, IL 60008 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $41 | $232 | $273 | 0.25% |
| AGNES D. NINES3 | 31 EAST BUTLER AVENUE, 1ST FLOOR AMBLER, PA 19002 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $0 | $25 | $25 | 0.02% |
| GARY W. SMITH3 | 111 EAST UWCHLAN AVENUE EXTON, PA 19341 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $11K | $4 | $11K | 11.01% |
| JOSEPH MICHAEL FARAGASSO3 | 1304 NORTHUMBERLAND ROAD COATESVILLE, PA 19320 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $9K | $0 | $9K | 8.86% |
| CHRISTOPHER A LUPP3 Filed as: CHRISTOPHER CHARLES COCORES | 5001 LOUISE DRIVE, SUITE 300 MECHANICSBURG, PA 17055 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $1K | $2K | $3K | 3.00% |
| MATTHEW JAMES DOBBIE3 | 4830 ARDMORE DRIVE BLOOMFIELD TOWNSHIP, MI 48302 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $439 | $0 | $439 | 0.42% |
| LAWRENCE M. MCHUGH3 | 111 EAST UWCHLAN AVENUE EXTON, PA 19341 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $258 | $19 | $277 | 0.27% |
| MICHAEL R. SKIFF3 Filed as: MICHAEL J. LYNCH JR. | 111 EAST UWCHLAN AVENUE EXTON, PA 19341 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $115 | $23 | $138 | 0.13% |
| MJ INSURANCE3 Filed as: COREY D. WALTERS AND VARIOUS AGENTS | 227 POPLAR STREET SPRING CITY, PA 19475 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $24 | $5 | $29 | 0.03% |
| GALLAGHER BENEFIT SERVICES, INC.3 | TWO PIERCE PLACE ITASCA, IL 60143 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $3K | $0 | $3K | 4.78% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 11TH FLOOR ROLLING MEADOWS, IL 60008 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $0 | $95 | $95 | 0.18% |
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 | 1,045 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,045 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | INDEPENDENCE BLUE CROSS | 2,403 | $14.2M |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 2,105 | $708K |
| Vision | INDEPENDENCE BLUE CROSS | 2,403 | $14.2M |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,045 | $877K |
| Short-term disability(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,045 | $883K |
| Long-term disability(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,045 | $986K |
| Prescription drug | INDEPENDENCE BLUE CROSS | 2,403 | $14.2M |
| Other(5 contracts, 4 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,045 | $852K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,403 | — |
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.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
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.