| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY INC. | 1305 WALT WHITMAN ROAD, SUITE 310 MELVILLE, NY 11747 | UNITEDHEALTHCARE LIFE INSURANCE COMPANY | $18K | $42K | $61K | 5.22% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY INC. | 1305 WALT WHITMAN ROAD, SUITE 310 MELVILLE, NY 11747 | HARTFORD LIFE AND ACCIDENT | $7K | $4K | $11K | 13.80% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY INC. | 100 SUMMIT LAKE DRIVE, SUITE 10595 VALHALLA, NY 10595 | HARTFORD LIFE AND ACCIDENT | $615 | $308 | $923 | 1.20% |
| 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 | -$2 | -$1 | -$3 | -0.00% |
| UNIVEST INSURANCE INC3 Filed as: UNIVEST INSURANCE INC. | PO BOX 391 LANDALE, PA 19446 | AETNA LIFE INSURANCE COMPANY | $2K | $4K | $7K | 17.88% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY INC. | THE EMPIRE STATE BUILDING NEW YORK, NY 10118 | AETNA LIFE INSURANCE COMPANY | $3K | $0 | $3K | 6.91% |
| JUSTIN P ABRAHAM3 Filed as: JUSTIN P. ABRAHAM | 3841 HIGHPOINT DRIVE ALLENTOWN, PA 18103 | AFLAC | $1K | $148 | $1K | 4.80% |
| ROBERT R FRIEDMAN3 Filed as: ROBERT R. FRIEDMAN | 8163 LARK STREET FOGELSVILLE, PA 18051 | AFLAC | $1K | $0 | $1K | 4.65% |
| LEAH P GORMAN3 Filed as: LEAH P. GORMAN | 6629 JEFFERSON COURT NEW TRIPOLI, PA 18066 | AFLAC | $1K | $0 | $1K | 3.96% |
| LYNNE M HARTMAN3 Filed as: LYNNE M. HARTMAN AND OTHER AGENTS | 1841 LINCOLN AVENUE WYOMISSING, PA 19610 | AFLAC | $770 | $0 | $770 | 2.48% |
| GARY J BRENNAN II3 Filed as: GARY J. BRENNAN II | 460 NORTH GLAUDE A. LORD BOULEVARD POTTSVILLE, PA 17901 | AFLAC | $386 | $0 | $386 | 1.24% |
| JOSEPH B MCGINTY JR3 Filed as: JOSEPH B. MCGINTY JR. | 1150 GLENLIVET DRIVE SUITE A13 ALLENTOWN, PA 18106 | AFLAC | $333 | $30 | $363 | 1.17% |
| LYNNE M HARTMAN3 Filed as: LYNNE M. HARTMAN | 1841 LINCOLN AVENUE WYOMISSING, PA 19610 | AFLAC | $177 | $0 | $177 | 0.57% |
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 | 127 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 3 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 130 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE LIFE INSURANCE COMPANY | 131 | $1.2M |
| Dental | AETNA LIFE INSURANCE COMPANY | 109 | $37K |
| Life insurance(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 126 | $108K |
| Short-term disability | AFLAC | 39 | $31K |
| Long-term disability | HARTFORD LIFE AND ACCIDENT | 126 | $77K |
| Prescription drug | UNITEDHEALTHCARE LIFE INSURANCE COMPANY | 131 | $1.2M |
| Other(2 contracts, 2 carriers) | HARTFORD LIFE AND ACCIDENT | 126 | $108K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 131 | — |
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.
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.