| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMERSON REID LLC3 Filed as: EMERSON REID | 1787 SENTRY PARKWAY WEST, SUITE 320 BLUE BELL, PA 19422 | INDEPENDENCE BLUE CROSS | $123K | $0 | $123K | 0.78% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 5TH FLOOR ROLLING MEADOWS, IL 60008 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $116K | $0 | $116K | 11.94% |
| AMERIHEALTH ADMINISTRATORS INC3 Filed as: AMERIHEALTH ADMINISTRATORS INC. | PO BOX 21545 EAGAN, MN 55121 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $13K | $0 | $13K | 1.30% |
| EMERSON REID LLC3 Filed as: EMERSON REID | UNKNOWN NEW YORK, NY 10118 | UNITED CONCORDIA INSURANCE COMPANY | $47K | $0 | $47K | 5.99% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $5K | $532 | $6K | 4.78% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 11TH FLOOR ROLLING MEADOWS, IL 60008 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $272 | $211 | $483 | 0.40% |
| PAUL J. CONNOLLY3 | TWO PIERCE PLACE, 21ST FLOOR ITASCA, IL 60143 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $415 | $0 | $415 | 0.34% |
| GARY W. SMITH3 | 111 EAST UWCHLAN AVENUE EXTON, PA 19341 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $3K | $0 | $3K | 2.95% |
| CHRISTOPHER A LUPP3 Filed as: CHRISTOPHER CHARLES COCORES | 5001 LOUISE DRIVE, SUITE 300 MECHANICSBURG, PA 17055 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $267 | $1K | $1K | 1.39% |
| JOSEPH MICHAEL FARAGASSO3 | 1304 NORTHUMBERLAND ROAD COATESVILLE, PA 19320 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $1K | $0 | $1K | 1.14% |
| MATTHEW JAMES DOBBIE3 | 3000 TOWN CENTER, SUITE 3100 SOUTHFIELD, MI 48075 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $307 | $0 | $307 | 0.30% |
| LAWRENCE M. MCHUGH3 | 111 EAST UWCHLAN AVENUE EXTON, PA 19341 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $257 | $1 | $258 | 0.25% |
| MICHAEL R. SKIFF3 | 111 EAST UWCHLAN AVENUE EXTON, PA 19341 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $24 | $0 | $24 | 0.02% |
| MJ INSURANCE3 Filed as: MICHAEL J. LYNCH AND VARIOUS AGENTS | 111 EAST UWCHLAN AVENUE EXTON, PA 19341 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $21 | $0 | $21 | 0.02% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | UNUM INSURANCE COMPANY | $9K | $0 | $9K | 15.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 11TH FLOOR ROLLING MEADOWS, IL 60008 | UNUM INSURANCE COMPANY | $0 | $1K | $1K | 1.73% |
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 | 1,099 | 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) | 1,099 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | INDEPENDENCE BLUE CROSS | 2,515 | $15.7M |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 2,284 | $781K |
| Vision | INDEPENDENCE BLUE CROSS | 2,515 | $15.7M |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,099 | $1.1M |
| Short-term disability(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,099 | $1.1M |
| Long-term disability(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,099 | $1.2M |
| Prescription drug | INDEPENDENCE BLUE CROSS | 2,515 | $15.7M |
| Other(4 contracts, 4 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,273 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,515 | — |
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.