| 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) | $50K | — | $50K | 3.97% |
| EMERSON REID LLC3 | 1787 SENTRY PKWY W VEVA 16 SUITE 32 BLUE BELL, PA 19422 | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | $7K | $4K | $11K | 12.89% |
| ANTHONY P. JOHN3 | 620 BALTIMORE DR STE 400 WILKES-BARRE, PA 18702 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $6K | — | $6K | 9.07% |
| ANTHONY P. JOHN3 | 620 BALTIMORE DR STE 400 WILKES-BARRE, PA 18702 | UNUM LIFE INSURANCE COMPANY OF AMERICA | $1K | — | $1K | 16.56% |
| ANTHONY P. JOHN3 | 620 BALTIMORE DR STE 400 WILKES-BARRE, PA 18702 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $175 | — | $175 | 3.07% |
| ANTHONY P. JOHN3 | 620 BALTIMORE DR STE 400 WILKES-BARRE, PA 18702 | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | $49 | — | $49 | 0.93% |
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 | 132 | Currently employed and enrolled or eligible. |
| Retired/separated still eligible | 5 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 137 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | HIGHMARK BLUE SHIELD (MEDICAL & SURGICAL/CLARITY VISION) | 248 | $1.3M |
| Dental | THE GUARDIAN LIFE INSURANCE COMPANY OF AMERICA | 105 | $84K |
| Vision | HIGHMARK BLUE SHIELD (MEDICAL & SURGICAL/CLARITY VISION) | 248 | $1.3M |
| Life insurance | UNUM LIFE INSURANCE COMPANY OF AMERICA | 0 | $68K |
| Short-term disability(3 contracts, 2 carriers) | PROVIDENT LIFE AND ACCIDENT INSURANCE COMPANY | 25 | $12K |
| Long-term disability(2 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 3 | $73K |
| Other(3 contracts, 2 carriers) | UNUM LIFE INSURANCE COMPANY OF AMERICA | 25 | $82K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 248 | — |
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.
Schedule A presence shifted between filings (insured ↔ self-funded, or new contracts added/removed). Capture the transition window.