| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMERSON REID LLC3 Filed as: EMERSON REID | UNKNOWN COLLEGEVILLE, PA 19426 | INDEPENDENCE BLUE CROSS | $11K | $0 | $11K | 0.06% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 5TH FLOOR ROLLING MEADOWS, IL 60008 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $119K | $0 | $119K | 12.02% |
| AMERIHEALTH ADMINISTRATORS INC3 Filed as: AMERIHEALTH ADMINISTRATORS INC. | PO BOX 21545 EAGAN, MN 55121 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $13K | $15K | $28K | 2.79% |
| EMERSON REID LLC3 Filed as: EMERSON REID | UNKNOWN WAYNE, PA 19087 | UNITED CONCORDIA INSURANCE COMPANY | -$80 | $0 | -$80 | -0.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $3K | $781 | $4K | 4.01% |
| PAUL J. CONNOLLY3 | TWO PIERCE PLACE, 21ST FLOOR ITASCA, IL 60143 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $314 | $0 | $314 | 0.30% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 11TH FLOOR ROLLING MEADOWS, IL 60008 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $91 | $124 | $215 | 0.20% |
| GARY W. SMITH3 | 111 EAST UWCHLAN AVENUE EXTON, PA 19341 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $2K | $0 | $2K | 2.39% |
| CHRISTOPHER A LUPP3 Filed as: CHRISTOPHER CHARLES COCORES | 100 STERLING PARKWAY, SUITE 307 MECHANICSBURG, PA 17050 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $603 | $64 | $667 | 0.67% |
| MATTHEW JAMES DOBBIE3 | 3000 TOWN CENTER, SUITE 3100 SOUTHFIELD, MI 48075 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $259 | $0 | $259 | 0.26% |
| LAWRENCE M. MCHUGH3 | 111 EAST UWCHLAN AVENUE EXTON, PA 19341 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $203 | $0 | $203 | 0.20% |
| JOSEPH MICHAEL FARAGASSO3 | 1304 NORTHUMBERLAND ROAD COASTVILLE, PA 19320 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $149 | $0 | $149 | 0.15% |
| MICHAEL R. SKIFF3 | 111 EAST UWCHLAN AVENUE EXTON, PA 19341 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $14 | $0 | $14 | 0.01% |
| MCIHAEL J. LYNCH3 | 111 EAST UWCHLAN AVENUE EXTON, PA 19341 | MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY | $14 | $0 | $14 | 0.01% |
| GALLAGHER BENEFIT SERVICES, INC.3 | PO BOX 3009 ARLINGTON HEIGHTS, IL 60006 | UNUM INSURANCE COMPANY | $10K | $0 | $10K | 15.00% |
| GALLAGHER BENEFIT SERVICES, INC.3 | 2850 GOLF ROAD, 11TH FLOOR ROLLING MEADOWS, IL 60008 | UNUM INSURANCE COMPANY | $0 | $867 | $867 | 1.25% |
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 | 1,130 | 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) | 1,130 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | INDEPENDENCE BLUE CROSS | 2,584 | $17.1M |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 2,382 | $766K |
| Vision | INDEPENDENCE BLUE CROSS | 2,584 | $17.1M |
| Life insurance(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,130 | $1.1M |
| Short-term disability(2 contracts, 2 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,130 | $1.1M |
| Long-term disability(3 contracts, 3 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,130 | $1.2M |
| Prescription drug | INDEPENDENCE BLUE CROSS | 2,584 | $17.1M |
| Other(5 contracts, 5 carriers) | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 1,267 | $1.2M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,584 | — |
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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.