| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMERSON REID LLC3 Filed as: EMERSON REID & CO INC | 1787 SENTRY PKWY W STE 320 BLDG 16 BLUE BELL, PA 194222240 | METROPOLITAN LIFE INSURANCE COMPANY | $34K | $4K | $38K | 5.52% |
| DRAKE LEHNER & MORGAN LLC3 | PO BOX 368 BURLINGTON, NJ 080160368 | METROPOLITAN LIFE INSURANCE COMPANY | $25K | — | $25K | 3.61% |
| TOMPKINS INSURANCE AGENCIES3 Filed as: TOMPKINS INS AGENCIES INC | 90 MAIN ST BATAVIA, NY 14020 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | $2K | $8K | 4.37% |
| TOMPKINS INSURANCE AGENCIES3 Filed as: TOMPKINS INS AGENCIES INC | 1240 BROADCASTING RD PO BOX 6707 READING, PA 19610 | HIGHMARK | $2K | — | $2K | 6.04% |
| USI INSURANCE SERVICES LLC3 Filed as: USI INSURANCE SERVICES | 4605 COLUMBUS ST VIRGINIA BEACH, VA 23462 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $565 | $99 | $664 | 11.75% |
| THE LOOMIS COMPANY3 | 850 N PARK RD WYOMISSING, PA 19610 | HARTFORD FIRE INSURANCE COMPANY | — | — | $0 | — |
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 | 324 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 324 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 532 | $687K |
| Vision | HIGHMARK | 376 | $38K |
| Life insurance(2 contracts, 2 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 532 | $692K |
| Long-term disability | UNUM LIFE INSURANCE COMPANY OF AMERICA | 266 | $188K |
| Other(3 contracts, 3 carriers) | METROPOLITAN LIFE INSURANCE COMPANY | 532 | $692K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 532 | — |
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.