| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| EMERSON REID LLC3 | 630 W GERMANTOWN PIKE PLYMOUTH MEETING, PA 19462 | HIGHMARK BLUE SHIELD (MEDICAL & SURGICAL/CLARITY VISION) | $58K | — | $58K | 4.01% |
| EMERSON REID LLC3 | 167 ARCHER RD FACTORYVILLE, PA 18119 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $10K | $4K | $14K | 13.18% |
| ANTHONY P. JOHN3 | 620 BALTIMORE DR STE 400 WILKES-BARRE, PA 18702 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $7K | — | $7K | 6.58% |
| ANTHONY P. JOHN3 | 620 BALTIMORE DR STE 400 WILKES BARRE, PA 18702 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $2K | — | $2K | 15.11% |
| ANTHONY P. JOHN3 | 620 BALTIMORE DR STE 400 WILKES BARRE, PA 18702 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $206 | — | $206 | 2.27% |
| ANTHONY P. JOHN3 | 620 BALTIMORE DR STE 400 WILKES BARRE, PA 18702 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $67 | — | $67 | 1.27% |
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 | 151 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 1 | Continuation coverage (COBRA, retiree health). |
| Total participants (= "Plan participants" tile) | 152 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK BLUE SHIELD (MEDICAL & SURGICAL/CLARITY VISION) | 276 | $1.4M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 125 | $106K |
| Vision | HIGHMARK BLUE SHIELD (MEDICAL & SURGICAL/CLARITY VISION) | 276 | $1.4M |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 153 | $99K |
| Short-term disability(2 contracts) | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 28 | $14K |
| Long-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 153 | $104K |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 153 | $119K |
| 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."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.