| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMERSON REID LLC3 Filed as: EMERSON REID & COMPANY INC | 669 RIVER DRIVE, SUITE 305 ELMWOOD PARK, NJ 07407 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | — | $14K | $14K | 0.86% |
| CAPSTONE INSURANCE GROUP3 | 1120 WELSH ROAD, SUITE 220 NORTH WALES, PA 19454 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $6K | — | $6K | 0.35% |
| THE SAFEGARD GROUP INC3 Filed as: SAFEGARD GROUP INC | 100 GRANITE DRIVE, SUITE 109 MEDIA, PA 19063 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $261 | — | $261 | 0.02% |
| STRATBEN INC3 | 4720 MONTGOMERY, SUITE 500 BETHESDA, MD 20814 | CIGNA HEALTH AND LIFE INSURANCE COMPANY | $261 | — | $261 | 0.02% |
| EMERSON REID LLC3 | 261 MADISON AVENUE, SUITE 602 NEW YORK, NY 100162303 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $13K | $13K | $27K | 22.25% |
| THE FOLEY INSURANCE AGENCY, INC.3 Filed as: THE FOLEY AGENCY | 1120 WELSH ROAD, SUITE 220 NORTH WALES, PA 19454 | VISION BENEFITS OF AMERICA | $328 | — | $328 | 2.50% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO | 1787 SENTRY PARKWAY WEST BLUE BELL, PA 19422 | VISION BENEFITS OF AMERICA | $328 | — | $328 | 2.50% |
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 | 236 | 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) | 236 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 236 | $1.8M |
| Dental | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 236 | $1.7M |
| Vision(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY | 236 | $1.7M |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 186 | $119K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 186 | $119K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 186 | $119K |
| Other | UNITED OF OMAHA LIFE INSURANCE COMPANY | 186 | $119K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 236 | — |
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.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.