| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMERSON REID LLC3 Filed as: EMERSON REID DBA TRA BENEFITS | 350 FIFTH AVE STE 3700 NEW YORK, NY 10118 | UNITED CONCORDIA INSURANCE COMPANY | $5K | $0 | $5K | 11.89% |
| SAVOY ASSOCIATES3 Filed as: DONALD C SAVOY ASSOCIATES | 25B HANOVER RD 220 FLORHAM PARK, NJ 07932 | UNITED CONCORDIA INSURANCE COMPANY | $462 | $0 | $462 | 1.12% |
| EVANS PANCOAST3 | 237 LANCASTER AVE., STE. 251 DEVON, PA 19333 | HUMANA INSURANCE COMPANY | $1K | $0 | $1K | 11.43% |
| EXUDE BENEFITS GROUP INC3 Filed as: EXUDE, INC. | 3265 CHESTNUT ST STE 1000 PHILADELPHIA, PA 19106 | HUMANA INSURANCE COMPANY | $116 | $0 | $116 | 1.12% |
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 | 116 | 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) | 117 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical)(2 contracts, 2 carriers) | KEYSTONE HEALTH PLAN EAST | 91 | $776K |
| Dental | UNITED CONCORDIA INSURANCE COMPANY | 98 | $41K |
| Vision | HUMANA INSURANCE COMPANY | 116 | $10K |
| Life insurance | HUMANA INSURANCE COMPANY | 116 | $10K |
| Prescription drug | PERSONAL CHOICE - IBC | 1 | $11K |
| Other | HUMANA INSURANCE COMPANY | 116 | $10K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 116 | — |
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.