| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| UNIVEST INSURANCE INC3 Filed as: UNIVEST INSURANCE INC. | PO BOX 391 LANDALE, PA 19446 | AETNA LIFE INSURANCE COMPANY | — | $119K | $119K | 4.59% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC. | 350 FIFTH AVENUE, SUITE 3700 NEW YORK, NY 10118 | AETNA LIFE INSURANCE COMPANY | $12K | $4K | $15K | 0.59% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC. | 669 RIVER DRIVE, CENTER II SUITE 305 ELMWOOD PARK, NJ 07407 | METROPOLITAN LIFE INSURANCE COMPANY | $11K | $1K | $12K | 5.34% |
| UNIVEST INSURANCE INC3 Filed as: UNIVEST INSURANCE INC. | PO BOX 391 LANSDALE, PA 19446 | METROPOLITAN LIFE INSURANCE COMPANY | $8K | $0 | $8K | 3.60% |
| UNIVEST INSURANCE INC3 Filed as: UNIVEST INSURANCE, INC | 6339 BEVERALY HILLS ROAD COOPERSBURG, PA 18036 | EYEMED | $2K | $0 | $2K | 9.97% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC. | 350 FIFTH AVENUE, SUITE 3700 NEW YORK, NY 10118 | EYEMED | $903 | $0 | $903 | 4.59% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC. | 1787 SENTRY PARKWAY WEST VEVA 16, SUITE 320 BLUE BELL, PA 19422 | EYEMED | $77 | $0 | $77 | 0.39% |
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 | 186 | 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) | 186 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 358 | $2.6M |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 388 | $233K |
| Vision | EYEMED | 255 | $20K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 388 | $233K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 388 | $233K |
| Prescription drug | AETNA LIFE INSURANCE COMPANY | 358 | $2.6M |
| Other | METROPOLITAN LIFE INSURANCE COMPANY | 388 | $233K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 388 | — |
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."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
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.