| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMERSON REID LLC3 Filed as: EMERSON REID DBA GBA | 1787 SENTRY PARKWAY W BLUE BELL, PA 19422 | INDEPENDENCE BLUE CROSS | $0 | $27K | $27K | 21.92% |
| EMERSON REID LLC3 Filed as: EMERSON REID AND COMPANY, INC. | 350 5TH AVENUE, SUITE 3700 NEW YORK, NY 10118 | UNITED CONCORDIA INSURANCE COMPANY | $9K | $0 | $9K | 13.18% |
| EMERSON REID LLC3 | 350 5TH AVENUE, STE 3700 NEW YORK, NY 10118 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $3K | $4K | $7K | 22.27% |
| EMERSON REID LLC3 | 350 5TH AVE STE 3700 NEW YORK, NY 10118 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $3K | $5K | 22.13% |
| EMERSON REID LLC3 | 350 5TH AVE STE 3700 NEW YORK, NY 10118 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $2K | $3K | $5K | 22.93% |
| EMERSON REID LLC3 | 350 5TH AVE STE 3700 NEW YORK, NY 10118 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $1K | $2K | $3K | 22.47% |
| UNIVEST INSURANCE INC3 Filed as: UNIVEST INS | 6339 BEVERLY HILLS RD COOPERSBURG, PA 18036 | EYE MED | $739 | $0 | $739 | 9.22% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO | 1787 SENTRY PKWAY BLUE BELL, PA 19422 | EYE MED | $370 | $0 | $370 | 4.62% |
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 | 164 | 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) | 164 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | INDEPENDENCE BLUE CROSS | 90 | $124K |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 168 | $67K |
| Vision | EYE MED | 164 | $8K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 96 | $12K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 96 | $32K |
| Long-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 96 | $23K |
| Prescription drug | INDEPENDENCE BLUE CROSS | 90 | $124K |
| Other(2 contracts) | UNITED OF OMAHA LIFE INSURANCE COMPANY | 96 | $35K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 168 | — |
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.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.