| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMERSON REID LLC3 Filed as: EMERSON REID DBA DAVID M. BANET & A | 45 DOWLIN FORGE FOAD EXTON, PA 19341 | INDEPENDENCE BLUE CROSS PPO | $54K | — | $54K | 5.49% |
| EMERSON REID LLC Filed as: EMERSON REID DBA DAVID M. BANET & A | 45 DOWLIN FORGE FOAD EXTON, PA 19341 | UNITED CONCORDIA COMPANIES, INC. | $5K | — | $5K | 10.58% |
| LIFE & HEALTH SERVICES INC | 1716 W DOE RUN ROAD UNIONVILLE, PA 19375 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $3K | — | $3K | 15.00% |
| LIFE & HEALTH SERVICES INC | 1716 W DOE RUN ROAD UNIONVILLE, PA 19375 | RELIANCE STANDARD LIFE INSURANCE COMPANY VOLUNTARY SHORT TERM DISABIL | $1K | — | $1K | 15.00% |
| LIFE & HEALTH SERVICES INC3 | PO BOX 429 UNIONVILLE, PA 19375 | AFLAC | $293 | — | $293 | 4.34% |
| MICHAEL F. RANDLER, JR.3 | PO BOX 429 UNIONVILLE, PA 19375 | AFLAC | $254 | — | $254 | 3.76% |
| FREDERICK W WILSON III3 Filed as: FREDERICK W. WILSON III | 573 BELLEVUE ROAD NEWARK, DE 19713 | AFLAC | $238 | — | $238 | 3.53% |
| LEILA RAPPAPORT3 | 116 LAKS DRIVE MIDDLETOWN, DE 19709 | AFLAC | $81 | — | $81 | 1.20% |
| AUTUMN STROHMAIER3 | 16 COLORA SCHOOL ROAD COLORA, MD 21917 | AFLAC | $56 | — | $56 | 0.83% |
| ALBERT SHUST3 | 200 CENTENNIAL AVE, STE 105 PISCATAWAY, NJ 08854 | AFLAC | $51 | — | $51 | 0.76% |
| KENNA M ULBINSKY YAKAL3 | 605 TAMARA CIRCLE NEWARK, DE 19711 | AFLAC | $42 | — | $42 | 0.62% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN A PITUCH | PO BOX 335 SPARTA, NJ 07871 | AFLAC | $10 | — | $10 | 0.15% |
| BRIAN M LEYPOLDT3 | 67 ALLISON PLACE EGG HARBOR TWP, NJ 08234 | AFLAC | $5 | — | $5 | 0.07% |
| JOHN T CAPOZZI3 | 242 WICKERBERRY DRIVE MIDDLETOWN, DE 19709 | AFLAC | $1 | — | $1 | 0.01% |
| JOSHUA M PINCUS SOKOLOFF | 6100 CHEVY CHASE DRIVE LAUREL, MD 20707 | AFLAC | $1 | — | $1 | 0.01% |
| LIFE & HEALTH SERVICES INC3 | PO BOX 408 KENNET SQUARE, PA 19348 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $558 | — | $558 | 13.49% |
| LIFE & HEALTH SERVICES INC | 1716 W DOE RUN ROAD UNIONVILLE, PA 19375 | RELIANCE STANDARD LIFE INSURANCE COMPANY GROUP LIFE AND ACCIDENTAL | $576 | — | $576 | 15.00% |
| EMERSON REID LLC Filed as: EMERSON REID DBA DAVID M. BANET & A | 45 DOWLIN FORGE FOAD EXTON, PA 19341 | NATIONAL VISION ADMINISTRATORS, L.L.C. | $219 | — | $219 | 7.50% |
| LIFE & HEALTH SERVICES INC | PO BOX 429 UNIONVILLE, PA 19375 | NATIONAL VISION ADMINISTRATORS, L.L.C. | $219 | — | $219 | 7.50% |
| LIFE & HEALTH SERVICES INC | 1716 W DOE RUN ROAD UNIONVILLE, PA 19375 | RELIANCE STANDARD LIFE INSURANCE COMPANY VOLUNTARY LONG TERM DISAB | $270 | — | $270 | 10.00% |
| LIFE & HEALTH SERVICES INC3 | 1716 W DOE RUN ROAD UNIONVILLE, PA 19375 | AFLAC | $68 | — | $68 | 3.33% |
| FREDERICK W WILSON III3 Filed as: FREDERICK W. WILSON III | 573 BELLEVUE ROAD NEWARK, DE 19713 | AFLAC | $54 | — | $54 | 2.64% |
| MICHAEL F. RANDLER, JR.3 | PO BOX 429 UNIONVILLE, PA 19375 | AFLAC | $34 | — | $34 | 1.66% |
| JOHN T CAPOZZI3 | 242 WICKERBERRY DRIVE MIDDLETOWN, DE 19709 | AFLAC | $14 | — | $14 | 0.68% |
| LEILA RAPPAPORT3 | 116 LAKS DRIVE MIDDLETOWN, DE 19709 | AFLAC | $14 | — | $14 | 0.68% |
| AUTUMN STROHMAIER3 | 16 COLORA SCHOOL ROAD COLORA, MD 21917 | AFLAC | $10 | — | $10 | 0.49% |
| ALBERT SHUST3 | 200 CENTENNIAL AVE, STE 105 PISCATAWAY, NJ 08854 | AFLAC | $9 | — | $9 | 0.44% |
| KENNA M ULBINSKY YAKAL3 | 605 TAMARA CIRCLE NEWARK, DE 19711 | AFLAC | $7 | — | $7 | 0.34% |
| WORTHAM SAN ANTONIO INC3 Filed as: JOHN A PITUCH | PO BOX 335 SPARTA, NJ 07871 | AFLAC | $2 | — | $2 | 0.10% |
| BRIAN M LEYPOLDT3 | 67 ALLISON PLACE EGG HARBOR TWP, NJ 08234 | AFLAC | $1 | — | $1 | 0.05% |
| LIFE & HEALTH SERVICES INC3 | PO BOX 408 KENNET SQUARE, PA 19348 | UNITED HEALTHCARE INSURANCE | $106 | — | $106 | 8.25% |
| LIFE & HEALTH SERVICES INC | 1716 W DOE RUN ROAD UNIONVILLE, PA 19375 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $90 | — | $90 | 15.05% |
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 | 317 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 317 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | INDEPENDENCE BLUE CROSS PPO | 161 | $985K |
| Dental | UNITED CONCORDIA COMPANIES, INC. | 80 | $44K |
| Vision(3 contracts, 3 carriers) | INDEPENDENCE BLUE CROSS PPO | 161 | $988K |
| Life insurance(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 163 | $23K |
| Short-term disability | AFLAC | 5 | $2K |
| Long-term disability(3 contracts, 3 carriers) | AFLAC | 18 | $14K |
| Prescription drug | INDEPENDENCE BLUE CROSS PPO | 161 | $983K |
| Other(3 contracts, 3 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY VOLUNTARY SHORT TERM DISABIL | 163 | $12K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 163 | — |
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.