| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ESSA ADVISORY SERVICES, LLC3 | 414 WEST BROAD STREET BETHLEHEM, PA 18018 | HIGHMARK | $80K | — | $80K | 3.70% |
| ESSA ADVISORY SERVICES, LLC3 Filed as: ESSA ADVISORY SERVICES | 5 HIGHLAND AVE STE D BETHLEHEM, PA 18017 | DELTA DENTAL OF PENNSYLVANIA | $6K | — | $6K | 7.51% |
| EMERSON REID LLC3 Filed as: EMERSON REID | 531 OLD SWEDE ROAD DOUGLASSVILLE, PA 19518 | DELTA DENTAL OF PENNSYLVANIA | $2K | — | $2K | 2.50% |
| WILLIAM A GRAHAM COMPANY3 | ONE PENN SQUARE WEST PHILADELPHIA, PA 19102 | DELTA DENTAL OF PENNSYLVANIA | $2K | — | $2K | 1.99% |
| ESSA ADVISORY SERVICES, LLC3 Filed as: ESSA ADVISORY SERVICES LLC | 5 HIGHLAND AVE STE D BETHLEHEM, PA 18017 | SECURITY LIFE INSURANCE COMPANY | $4K | — | $4K | 6.80% |
| ESSA ADVISORY SERVICES, LLC3 Filed as: ESSA ADVISORY SERVICES LLC | 5 HIGHLAND AVE STE D BETHLEHEM, PA 18017 | UNION SECURITY INSURANCE COMPANY | $6K | — | $6K | 15.00% |
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 | 160 | 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) | 161 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK | 207 | $2.2M |
| Dental | DELTA DENTAL OF PENNSYLVANIA | 276 | $81K |
| Vision | HIGHMARK | 207 | $2.2M |
| Life insurance(2 contracts, 2 carriers) | SECURITY LIFE INSURANCE COMPANY | 145 | $98K |
| Short-term disability | SECURITY LIFE INSURANCE COMPANY | 145 | $60K |
| Long-term disability | UNION SECURITY INSURANCE COMPANY | 45 | $38K |
| Prescription drug | HIGHMARK | 207 | $2.2M |
| Other(2 contracts, 2 carriers) | SECURITY LIFE INSURANCE COMPANY | 145 | $98K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 276 | — |
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.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.