| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS, LLC | — | UNITED CONCORDIA INSURANCE COMPANY | $6K | $646 | $6K | 11.17% |
| UNIVEST INSURANCE INC3 Filed as: UNIVEST INSURANCE, INC. | — | UNITED CONCORDIA INSURANCE COMPANY | — | $1K | $1K | 2.04% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PKWY W STE 320 BLUE BELL, PA 19422 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $4K | $7K | 23.91% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PKWY W STE 320 BLUE BELL, PA 19422 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $3K | $5K | 23.20% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PKWY W STE 320 BLUE BELL, PA 19422 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $3K | $5K | 23.44% |
| UNIVEST INSURANCE INC3 Filed as: UNIVEST INSURANCE INC. | 521 W MAIN ST PO BOX 391 LANSDALE, PA 19446 | SUN LIFE ASSURANCE COMPANY OF CANADA | $992 | $0 | $992 | 9.10% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PKWY W VEVA 16, SUITE 320 BLUE BELL, PA 19422 | SUN LIFE ASSURANCE COMPANY OF CANADA | $331 | $442 | $773 | 7.09% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS LLC | 1787 SENTRY PKWY W STE 320 BLUE BELL, PA 19422 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $2K | $3K | 23.92% |
| UNIVEST INSURANCE INC3 Filed as: UNIVEST INSURANCE, INC. | 6339 BEVERLY HILLS RD COOPERSBURG, PA 18036 | EYE MED | $1K | $0 | $1K | 19.61% |
| ASSUREDPARTNERS3 Filed as: EMERSON ROGERS | 1787 SENTRY PKWAY W, VEVA 16 SUITE 320 BLUE BELL, PA 19422 | EYE MED | $1K | $0 | $1K | 19.61% |
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 | 98 | 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) | 98 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 149 | $55K |
| Vision | EYE MED | 144 | $7K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 98 | $11K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 98 | $29K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 98 | $22K |
| Other(3 contracts, 2 carriers) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 98 | $45K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 149 | — |
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.