| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | 1787 SENTRY PARKWAY W BLUE BELL, PA 19422 | INDEPENDENCE BLUE CROSS | $38K | $2K | $40K | 4.22% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST, INC | 100 MATSONFORD ROAD BUILDING 5, SUITE 200 WAYNE, PA 19087 | UPMC HEALTH OPTIONS | $21K | — | $21K | 2.54% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST INC. | 100 MATSONFORD ROAD BUILDING 5, SUITE 200 WAYNE, PA 19087 | HARTFORD LIFE AND ACCIDENT | $13K | — | $13K | 14.75% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON INS SVCS WEST | 801 S FIGUEROA STREET SUITE 800 LOS ANGELES, CA 90017 | HARTFORD LIFE AND ACCIDENT | — | $1K | $1K | 1.57% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | 669 RIVER DRIVE, CENTER II SUITE 305 ELMWOOD PARK, NJ 07407 | UNITED CONCORDIA INSURANCE COMPANY | $3K | $165 | $3K | 9.04% |
| EMERSON REID LLC3 Filed as: EMERSON REID DBA TRA BENEFIT | EMPIRE STATE BUILDING 350 FIFTH AVE, SUITE 3700 NEW YORK, NY 10118 | UNITED CONCORDIA INSURANCE COMPANY | $2K | — | $2K | 4.78% |
| WILLIS TOWERS WATSON US LLC3 Filed as: WILLIS TOWERS WATSON NORTHEAST, INC | 100 MATSONFORD ROAD BUILDING 5, SUITE 200 WAYNE, PA 19087 | UPMC HEALTH BENEFITS | $4K | — | $4K | 10.33% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | 1787 SENTRY PARKWAY W BLUE BELL, PA 19422 | INDEPENDENCE BLUE CROSS | $571 | $2K | $3K | 21.47% |
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 | 209 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 6 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 215 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(3 contracts, 3 carriers) | INDEPENDENCE BLUE CROSS | 162 | $1.8M |
| Dental(3 contracts, 3 carriers) | UPMC HEALTH OPTIONS | 150 | $922K |
| Vision(3 contracts, 3 carriers) | UPMC HEALTH OPTIONS | 162 | $897K |
| Life insurance | HARTFORD LIFE AND ACCIDENT | 212 | $85K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 212 | $85K |
| Prescription drug | INDEPENDENCE BLUE CROSS | 162 | $957K |
| Other | HARTFORD LIFE AND ACCIDENT | 212 | $85K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 212 | — |
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."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.