| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMERSON REID LLC3 | 350 FIFTH AVENUE, SUITE 3700 NEW YORK, NY 10118 | AETNA LIFE INSURANCE CO. | $3K | $0 | $3K | 0.27% |
| THE EQUINOX AGENCY LLC3 | 402 STATE AVENUE EMMAUS, PA 18049 | AETNA LIFE INSURANCE CO. | $2K | $0 | $2K | 0.17% |
| UNIVEST INSURANCE INC3 | PO BOX 391 LANSDALE, PA 19446 | AETNA LIFE INSURANCE CO. | $526 | $0 | $526 | 0.05% |
| THE JAMES B OSWALD COMPANY3 Filed as: JAMES R NELLIGAN AND ASSOC LLC | 1800 ROUTE 34 BUILDING 4, SUITE 404A WALL, NJ 07719 | HARTFORD LIFE AND ACCIDENT | $8K | $4K | $12K | 14.99% |
| EMERSON REID LLC3 | 1305 WALT WHITMON ROAD, SUITE 310 MELVILLE, NY 11747 | HARTFORD LIFE AND ACCIDENT | $4K | $0 | $4K | 5.08% |
| ROBERT R FRIEDMAN3 | 8163 LARK STREET FOGELSVILLE, PA 18051 | AFLAC | $2K | $0 | $2K | 5.91% |
| JUSTIN P ABRAHAM3 | 203 WEST BROAD STREET HATFIELD, PA 19440 | AFLAC | $1K | $0 | $1K | 4.16% |
| MJ INSURANCE3 Filed as: LYNNE M HARTMAN AND VARIOUS AGENTS | 1841 LINCOLN AVENUE WYOMISSING, PA 19610 | AFLAC | $784 | $0 | $784 | 2.21% |
| GARY J BRENNAN II3 | 460 NORTH CLAUDE A LORD BOULEVARD POTTSVILLE, PA 17901 | AFLAC | $577 | $18 | $595 | 1.68% |
| THE EQUINOX AGENCY LLC3 | 402 STATE AVENUE EMMAUS, PA 18049 | AFLAC | $286 | $0 | $286 | 0.81% |
| JOSEPH B MCGINTY JR3 | 1150 GLENLIVET DRIVE, SUITE A13 ALLENTOWN, PA 18106 | AFLAC | $237 | $18 | $255 | 0.72% |
| JACQUELINE M EBERZ3 | 98 LAMP POST ROAD NEW BRITAIN, PA 18901 | AFLAC | $227 | $0 | $227 | 0.64% |
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 | 136 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 137 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | AETNA LIFE INSURANCE CO. | 138 | $977K |
| Dental | AETNA LIFE INSURANCE CO. | 138 | $977K |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 136 | $115K |
| Short-term disability | AFLAC | 42 | $35K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 136 | $80K |
| Prescription drug | AETNA LIFE INSURANCE CO. | 138 | $977K |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 136 | $115K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 138 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.