| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| FRANCONIA INS. & FINANCIAL SERVICES3 | 199 TELFORD PIKE TELFORD, PA 18969 | AETNA LIFE INSURANCE COMPANY | — | $25K | $25K | 3.21% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC. | 1787 SENTRY PARKWAY, SUITE 320 BLUE BELL, PA 19422 | AETNA LIFE INSURANCE COMPANY | — | $3K | $3K | 0.39% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC. | 630 WEST GERMANTOWN PIKE, SUITE 215 PLYMOUTH MEETING, PA 19462 | AETNA LIFE INSURANCE COMPANY | — | $635 | $635 | 0.08% |
| FIFS, LLC3 | 199 TELFORD PIKE TELFORD, PA 18969 | METROPOLITAN LIFE INSURANCE COMPANY | $9K | — | $9K | 9.45% |
| LIAZON BENEFITS INC3 Filed as: LIAZON BENEFITS, INC. | 199 SCOTT STREET, 8TH FLOOR BUFFALO, NY 14204 | METROPOLITAN LIFE INSURANCE COMPANY | $346 | $4K | $4K | 4.80% |
| KEYSTONE INSURANCE & BENEFITS GROUP3 Filed as: KEYSTONE INS. AND BENEFITS GROUP | 1995 POINT TOWNSHIP DRIVE NORTHUMBERLAND, PA 17857 | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | $2K | — | $2K | 20.00% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC. | 1787 SENTRY PARKWAY WEST, SUITE 320 BLUE BELL, PA 19422 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $1K | $380 | $1K | 13.72% |
| LIAZON BENEFITS INC3 Filed as: LIAZON BENEFITS, INC. | 199 SCOTT STREET, 8TH FLOOR BUFFALO, NY 14204 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $511 | — | $511 | 5.00% |
| FIFS, LLC3 | 199 TELFORD PIKE TELFORD, PA 18969 | KANAWHA INSURANCE COMPANY | $262 | — | $262 | 4.88% |
| FRANCONIA INS. & FINANCIAL SERVICES3 Filed as: FRANCONIA INS. AND FINANCIAL SVCES. | 199 TELFORD PIKE TELFORD, PA 18969 | AETNA LIFE INSURANCE COMPANY | $560 | — | $560 | 13.50% |
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 | 161 | 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) | 161 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE COMPANY | 218 | $777K |
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 93 | $92K |
| Vision | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 85 | $10K |
| Life insurance(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 161 | $107K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 93 | $92K |
| Long-term disability(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 161 | $107K |
| Prescription drug | AETNA LIFE INSURANCE COMPANY | 218 | $777K |
| Other(3 contracts, 3 carriers) | THE LINCOLN NATIONAL LIFE INSURANCE COMPANY | 161 | $20K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 218 | — |
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 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.