| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC. | 630 WEST GERMANTOWN PIKE PLYMOUTH MEETING, PA 19462 | HIGHMARK INC. | $37K | $0 | $37K | 2.13% |
| APERTURE CONSULTING, LLC3 Filed as: APERTURE CONSULTING LLC | UNKNOWN WILLIAMSPORT, PA 17701 | DELTA DENTAL OF PENNSYLVANIA | $3K | $0 | $3K | 5.00% |
| APERTURE CONSULTING, LLC3 Filed as: APERTURE CONSULTING LLC | 210 WEST HAMILTON AVENUE, SUITE 327 STATE COLLEGE, PA 16801 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $5K | $0 | $5K | 12.17% |
| USI INSURANCE SERVICES LLC3 | PO BOX 66119 VIRGINIA BEACH, VA 23466 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $797 | $0 | $797 | 1.91% |
| IMG5 | 2960 NORTH MERIDIAN STREET INDIANAPOLIS, IN 46208 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $19 | $19 | 0.05% |
| AXA ASSISTANCE, USA5 | 122 SOUTH MICHIGAN AVENUE SUITE 1100 CHICAGO, IL 60603 | PRUDENTIAL INSURANCE COMPANY OF AMERICA | $0 | $3 | $3 | 0.01% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC. | 669 RIVER DRIVE, CENTER II SUITE 305 ELMWOOD PARK, NJ 07407 | NGL | $305 | $0 | $305 | 2.50% |
| APERTURE CONSULTING, LLC3 Filed as: APERTURE CONSULTING LLC | 210 WEST HAMILTON AVENUE, SUITE 327 STATE COLLEGE, PA 16801 | NGL | $305 | $0 | $305 | 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 | 108 | 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) | 108 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK INC. | 210 | $1.8M |
| Dental | DELTA DENTAL OF PENNSYLVANIA | 259 | $58K |
| Vision | NGL | 249 | $12K |
| Life insurance | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 105 | $42K |
| Long-term disability | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 105 | $42K |
| Prescription drug | HIGHMARK INC. | 210 | $1.8M |
| Other | PRUDENTIAL INSURANCE COMPANY OF AMERICA | 105 | $42K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 259 | — |
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.